By Jeff Field | Published July 27, 2026 | Posted in Bankruptcy, Chapter 7 | Tagged Tags: debtor, Income, median | Leave a comment
What Georgians Need to Know About Updated Chapter 7 Income Limits
If you are a distressed debtor in Georgia, a recent change in the law may have a positive effect on your eligibility for Chapter 7 bankruptcy protection. Debtors must satisfy a means test, which compares their monthly income to Georgia’s median and looks at their allowed expenses. A debtor who is found to have enough Read More
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How Georgia’s New Homestead Exemption Affects Bankruptcy Strategy
Georgia homeowners considering bankruptcy relief have an important new advantage. A major increase in the state’s homestead exemption should allow more people to keep their homes in Chapter 7 bankruptcy while also improving the outcome for many Chapter 13 filers. A state law that took effect July 1, 2026 more than doubled Georgia’s homestead exemption, Read More
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Student Loan Collections Restart: What Borrowers Need to Know
After years of pauses, policy changes and shifting repayment programs, federal student loan collections are fully active again in 2026. This restart places borrowers in jeopardy of wage garnishments, tax refund seizures and aggressive collection efforts. The good news: bankruptcy relief is more accessible than it used to be, especially under the updated Department of Read More
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How Georgia Homeowners Can Use Bankruptcy to Stop Foreclosure
With foreclosure rates rising across Georgia in 2026, many families are finding themselves in precarious situations. Adjustable rate mortgages are resetting to much higher payments, property taxes are on the rise thanks to higher county assessments and everyday expenses — from groceries to fuel prices — continue to climb. On top of that, layoffs in Read More
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What Are Your Options When Medical Bills Overwhelm You?
Medical debt is one of the most common financial burdens I see among clients across Georgia. Whether you live in Atlanta, Macon, Savannah, Columbus or a rural county with limited healthcare options, a single emergency room visit or unexpected surgery can leave you with bills that feel impossible to manage. The good news is that Read More
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Why Georgia Is Experiencing a 2026 Bankruptcy Filing Surge
Georgia is experiencing a significant rise in bankruptcy filings in 2026, continuing a trend that has been building since post-pandemic protections expired and since inflation and interest rates began to climb. For many Georgia families, persistent financial pressure has reached a breaking point, driving more people than ever to seek bankruptcy relief. Personal bankruptcy filings Read More
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How Secured Credit Cards Assist With Post-Bankruptcy Rebuilding
Many people who complete a personal bankruptcy filing feel anxious about taking on additional debts. They do not want to risk accruing more financial obligations than they can pay, and an aversion to new lines of credit is relatively common among recent bankruptcy filers. However, secured lines of credit can be invaluable for those trying Read More
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What if a Chapter 7 Trustee Questions Property Disclosures?
In most Chapter 7 bankruptcy cases, the court-appointed trustee’s role is relatively straightforward. The trustee reviews the filer’s financial disclosures, oversees the creditor meeting and determines whether any non-exempt assets may need to be liquidated. However, when questions arise about the accuracy or completeness of the paperwork submitted to the court, the trustee might take Read More
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How Creditors Learn About a Debtor’s Bankruptcy Filing
When a person files for bankruptcy, creditors must receive notice of the case so they can comply with the law and protect their own legal rights. If they are unaware of the proceeding, creditors may continue collection activity in violation of the automatic stay and lose the opportunity to challenge the discharge of certain debts. Read More
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What People Often Misunderstand About Chapter 13 Repayment Plans
Many people misunderstand the purpose and structure of a Chapter 13 bankruptcy repayment plan. Confusion about this method of debt relief might deter them from filing for bankruptcy because they believe that a Chapter 13 filing will leave them in financial distress for years. The mistaken notion that relief only comes at the end of Read More
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