Georgia Bankruptcy

On this page, you will find Georgia bankruptcy information and resource links.



If you are not looking for information regarding Georgia, please look to the links to the left to locate the appropriate information for your state.



Bankruptcy Courts - Location and Contact Information

Georgia bankruptcy courts are divided into two districts, which are further divided into several divisions. Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.



NORTHERN DISTRICT OF GEORGIA

Counties of Jurisdiction:

Atlanta Division - Cherokee, Clayton, Cobb, DeKalb, Douglas, Fulton, Gwinnett, Henry, Newton and Rockdale Counties

Gainesville Division - Banks, Barrow, Dawson, Fannin, Forsyth, Gilmer, Habersham, Hall, Jackson, Lumpkin, Pickens, Rabun, Stephens, Towns, Union and White Counties

Newnan Division - Carroll, Coweta, Fayette, Haralson, Heard, Meriwether, Pike, Spalding and Troup Counties

Rome Division - Bartow, Catoosa, Chattooga, Dade, Floyd, Gordon, Murray, Paulding, Polk, Walker and Whitfield Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Atlanta
Division
U.S. Bankruptcy Court
75 Spring Street SW
Room 1340
Atlanta, GA 30303

Same (404) 215-1000
Gainesville
Division
U.S. Bankruptcy Court
121 Spring Street SE
Room 120
Gainesville, GA 30501
Same (678) 450-2700
Newnan
Division
U.S. Bankruptcy Court
18 Greenville Street
Second Floor
Newnan, GA 30263
Same
(678) 423-3000
Rome
Division
U.S. Bankruptcy Court
600 East First Street
Room 339
Rome, GA 30161
Same
(706) 378-4000

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MIDDLE DISTRICT OF GEORGIA

Counties of Jurisdiction:

Macon Division - Baldwin, Bibb, Bleckley, Butts, Crawford, Dooley, Hancock, Houston, Jasper, Jones, Lamar, Macon, Monroe, Peach, Pulaski, Putnam, Twiggs, Upson, Washington, Wilcox and Wilkinson Counties

Columbus Division - Chattahoochee, Clay, Harris, Marion, Muscogee, Quitman, Randolph, Stewart, Talbot and Taylor Counties

Athens Division - Clarke, Elbert, Franklin, Greene, Hart, Madison, Morgan, Oconee, Oglethorpe, Walton and Webster Counties

Albany Division - Baker, Ben Hill, Calhoun, Crisp, Dougherty, Early, Lee, Miller, Mitchell, Schley, Sumter, Terrell, Turner and Worth Counties

Thomasville Division - Brooks, Colquitt, Decatur, Grady, Seminole and Thomas Counties

Valdosta Division - Berrien, Clinch, Cook, Echols, Irwin, Lanier, Lowndes and Tift Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Macon
Division
U.S. Bankruptcy Court
433 Cherry Street
PO Box 1957
Macon, GA 31202

Same (478) 752-3506
Columbus
Division
U.S. Bankruptcy Court
901 Front Avenue
One Arsenal Place
PO Box 2147
Columbus, GA 31902

Same (706) 649-7837
Athens
Location
U.S. Bankruptcy Court
115 E. Hancock Avenue
Athens, GA 30601
Athens location for purpose of holding court;
main office located in Macon
Albany
Location
U.S. Bankruptcy Court
201 West Broad Street
Second Floor
Albany, GA 31701
Albany location for purpose of holding court;
main office located in Macon
Thomasville
Location
U.S. Bankruptcy Court
404 N. Broad Street
Thomasville, GA 31792
Thomasville location for purpose of holding court;
main office located in Macon
Valdosta
Location
U.S. Bankruptcy Court
401 N. Patterson Street
Valdosta, GA 31601
Valdosta location for purpose of holding court;
main office located in Macon

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SOUTHERN DISTRICT OF GEORGIA


DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Augusta
Division
U.S. Bankruptcy Court
933 Broad Street
Third Floor
Augusta, GA 30901
U.S. Bankruptcy Court
PO Box 1487
Augusta, GA 30903
(706) 724-2421
Brunswick
Division
U.S. Bankruptcy Court
357 Frank M. Scarlett Fed
Bldg
801 Gloucester Street

Same (912) 280-1376
Savannah
Division
U.S. Bankruptcy Court
125 Bull Street
Savannah, GA 31401

U.S. Bankruptcy Court
PO Box 8347
Savannah, GA 31412
(912) 650-4100

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Georgia Bankruptcy Laws and Exemptions

Georgia Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Georgia bankruptcy filings, state exemptions are used. Click here for some common exemptions under Georgia Code.

Contact a Georgia bankruptcy lawyer for more information regarding Georgia bankruptcy exemptions.

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Georgia Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Georgia Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Georgia must:

1. take a credit counseling course from an approved Georgia credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Georgia debtor education agency prior to receiving a bankruptcy discharge.

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Georgia Personal Bankruptcy Attorneys

To find Georgia bankruptcy lawyers in your area, you may want to contact your local county bar association or the Georgia Bar Association:

State Bar of Georgia
104 Marietta St. NW, Suite 100
Atlanta, Georgia 30303
(404) 527-8700
(800) 334-6865

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Georgia Legal Aid's website for a list of organizations that provide legal services to low income clients in Georgia.

If you are concerned about the representation provided to you by a Georgia bankruptcy attorney, contact:

State Bar of Georgia
(800) 334-6865 ext. 720 or (404) 527-8720

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Resources for Georgia Bankruptcy Laws

U.S. Bankruptcy Court for the Northern District of Georgia - administrative and procedural information for Northern District of Georgia bankruptcy filings

U.S. Bankruptcy Court for the Middle District of Georgia - administrative and procedural information for Middle District of Georgia bankruptcy filings

U.S. Bankruptcy Court for the Southern District of Georgia - administrative and procedural information for Southern District of Georgia bankruptcy filings

Office of the U.S. Trustee for Region 21 - oversees the administration of Georgia personal bankruptcy cases and case trustees

Georgia Bar Association - information about the Georgia bar, membership, ethics, continuing legal education, and resources for the public.

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