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Filing for Bankruptcy in Georgia

Debt can be a stressful situation. If your debt seems insurmountable and you do not know what to do, filing bankruptcy may be your best option for getting long term debt relief. It is important that anyone who chooses to file for bankruptcy understands all that it entails both for your present situation and for the future. Filing for bankruptcy in Georgia should never be done on a whim or as a “quick fix.” As part of our practice areas at Boudreaux Law Firm, we can help you find debt relief and start a new beginning for your financial situation. There is no immediate fix, and it will take time to rebuild your credit, but it can be done.

Attorney Todd M. Boudreaux is a Board Certified Bankruptcy Specialist and has significant experience providing bankruptcy relief to Georgia residents. Boudreaux Law Firm provides a tailored plan with personalized representation in order to help you find the most lasting, positive path toward debt relief.

Handling Your Bankruptcy Needs and Decisions

Should You Consider Bankruptcy?

It is important to consider all of your options before you file for bankruptcy because the consequences are significant. Consider contacting a credit counseling service to explore a debt repayment plan. Some services require significant collateral. If you’ve explored your options and decide bankruptcy is the best path, contact Boudreaux Law Firm.

Preparing to File Bankruptcy

Steps to prepare for bankruptcy include: hiring a lawyer, stopping credit card usage and new borrowing, pausing bill payments, and learning to live with less.

Chapter 7 Bankruptcy

Chapter 7, or straight bankruptcy, involves the sale of non-exempt assets. A full discharge can only be received once every eight years.

Chapter 13 Bankruptcy

Chapter 13 allows individuals with steady income to retain property while repaying debts over 3–5 years. After completing the plan, remaining debts may be discharged.

Chapter 11 Bankruptcy

Chapter 11 is a reorganization bankruptcy available to individuals, corporations, and partnerships, with no debt limits. It allows businesses to remain operational while repaying creditors over time.

Creditors and Foreclosure

If creditors are calling or foreclosure is possible, contact Boudreaux Law Firm to discuss your legal options.

Non-Dischargeable Debts

Some debts cannot be discharged through bankruptcy, including student loans, child support, alimony, most taxes, and credit card debt used to pay taxes.

Student Loans

Many clients face challenges repaying student loans due to low wages or cosigning for others. If the primary borrower defaults, co-signers may become liable, creating serious financial stress.

Other Bankruptcy Issues

The Boudreaux Law Firm handles a wide range of bankruptcy matters, including support for military personnel, landlord-tenant issues, and advice on debt consolidation services.

Bankruptcy FAQ

Discuss the following frequently asked questions with your attorney:

  • What happens if one spouse files for bankruptcy and not the other?
  • Does divorce separate me from my ex’s bankruptcy?
  • How long will bankruptcy affect my credit?
  • Will I lose my retirement accounts?
  • Will filing for bankruptcy affect Social Security payments?

Contact our office today to schedule a consultation.

Eastern Georgia Bankruptcy and Family Law Attorney

Contact Us

If you need help navigating difficult issues of a divorce, contact the Boudreaux Law Firm today to meet with one of our experienced Augusta attorneys. We offer free initial consultations for certain situations and competitive rates in family law cases. When you schedule an appointment with our firm, you will meet with an attorney, not a paralegal or secretary, to discuss all of your legal options.

Boudreaux Law Firm


493 Furys Ferry Rd

Augusta GA 30907


Serving the following areas

The Augusta, Eastern Georgia law firm of Boudreaux Law Firm, serves Eastern GA and the CSRA, including the cities of Augusta, Evans, Martinez, Blythe, Hephzibah, Grovetown, Harlem, Waynesboro, Appling, Thomson, Louisville, Lincolnton and Peach Island, as well as Columbia County, Richmond County, Burke County, Jefferson County, McDuffie County and Lincoln County.


State Bar of Georgia Boudreaux Law Firm American Bankruptcy Institute