Georgia Bankruptcy
On this page, you will find Georgia bankruptcy information and resource links.
If you are not looking for information regarding Georgia, please use the links on the right to find information for your state.
- Courts - Location and Contact Information
- Bankruptcy Laws
- Approved Credit Counseling/Debtor Education Agencies
- Georgia Attorneys
- Other Bankruptcy Georgia Resources
Bankruptcy Courts - Location & 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 |
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 |
|
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 |
Georgia Bankruptcy Laws and 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.
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.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 .Georgia Credit Counseling & 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.
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.
