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ABOUT CHAPTER 7
HOW CHAPTER 7 WORKS
THE CHAPTER 7 DISCHARGE
ABOUT CHAPTER 13
HOW CHAPTER 13 WORKS
THE CHAPTER 13 DISCHARGE
STATE EXEMPTIONS
COURT GUIDE
ROLE OF THE TRUSTEE
BANKRUPTCY TERMS
BANKRUPTCY & TAX LIABILITY
FREQUENTLY ASKED QUESTIONS

 
Georgia bankruptcy exemptions   GA Bankruptcy Exemptions

FEDERAL BANKRUPTCY EXEMPTIONS ARE NOT AVAILABLE
All law references are to the Official Code of Georgia Annotated.

ASSET

EXEMPTION

LAW PROVISION

HOMESTEAD

Your interest in real or personal property that you or your dependents use as a residence, or in a cooperative that owns property that you or your dependents use as a residence, or a burial plot, up to $21,500 in value ($43,000 if you are married and you and your spouse jointly file for bankruptcy), but only if you don't claim the homestead exemption

44-13-100(a)(1)

INSURANCE

Annuity and endowment contract benefits

33-28-7

Disability or health benefits to $250 per month

33-29-15

Fraternal benefit society benefits

33-15-20

Group insurance

33-30-10

Industrial life insurance if policy owned by someone you depend on, needed for support

33-26-5

Life insurance proceeds if policy owned by someone you depended on, needed for support

44-13-100(a)(11)(C)

Unmatured life insurance contract

44-13-100(a)(8)

Unmatured life insurance dividends, interest, loan value or cash value to $2,000 if beneficiary is you or someone you depend on

44-13-100(a)(9)

MISCELLANEOUS

Alimony, child support needed for support

44-13-100(a)(2)(D)

PENSIONS 

Employees of non-profit corporations

44-13-100(a)(2.1)(B)

ERISA-qualified benefits

18-4-22

Public employees

44-13-100(a)(2.1)(A),

47-2-332

Other pensions needed for support

18-4-22,

44-13-100 (a)(2)(E),

44-13-100(a)(2.1)(C)

PERSONAL PROPERTY

Animals, crops, clothing, appliances, books, furnishings, household goods, musical instruments to $300 per item, $5,000 total

44-13-100(a)(4)

Burial plot, in lieu of homestead

44-13-100(a)(1)

Health aids

44-13-100(a)(10)

Jewelry to $500

44-13-100(a)(5)

Lost future earnings needed for support

44-13-100(a)(11)(E)

Motor vehicles to $5,000

44-13-100(a)(3)

Personal injury recoveries to $10,000

44-13-100(a)(11)(C)

Wrongful death recoveries needed for support

44-13-100(a)(11)(B)

PUBLIC BENEFITS

Aid to blind

49-4-58

Aid to disabled

49-4-84

Crime victims compensation

44-13-100(a)(11)(A)

Local public assistance

44-13-100(a)(2)(A)

Old age assistance

49-4-35

Social security

44-13-100(a)(2)(A)

Unemployment compensation

44-13-100(a)(2)(A)

Veterans benefits

44-13-100(a)(2)(B)

Workers compensation

34-9-84

TOOLS OF TRADE

Implements, books and tool of trade to $1,500

44-13-100(a)(7)

WAGES

Minimum 75% of earned but unpaid wages for private and federal workers; bankruptcy judge may authorize more for low-income debtors

18-4-20, 18-4-21

WILD CARD

$600 of any property

44-13-100(a)(6)

 

Unused portion of homestead exemption, of any property to a maximum of $5,000

44-13-100(a)(6)



Georgia bankruptcy courts  Georgia Bankruptcy Courts
See the list below for Bankruptcy Courts by District. Click on the District link to go directly to that Bankruptcy Court's web site.

BANKRUPTCY COURTS NUMBER OF COPIES
Middle District
Macon Division
P.O. Box 1957
430 Cherry Street
Macon, GA 31201
Telephone:(478) 752-3506

Columbus Division
P.O. Box 2147
901 Front Avenue, Ste. 310
Columbus, GA 31902
Telephone:(706) 649-7837

Contact Clerks Office
Northern District
Atlanta Division
Room 1340 Richard B. Russell Bldg.
75 Spring Street, S.W.
Atlanta, GA 30303
Telephone: (404) 215-1000

Newnan Division
P.O. Box 2328
1 8 Greenville Street, 2nd Floor
Newnan, GA 30264
Telephone: (678) 423-3000

Rome Division
600 E. 1st Street, Rm. 339
Rome, GA 30161
Telephone: (706) 378-4000

Gaineville Division
121 Spring Street S.E., Room 120
Gainesville, GA 30501
Telephone: (678) 450-2700

Contact Clerks Office
Southern District
Savannah Division
125 Bull Street, Room 213
Savannah, GA 31401
P.O. Box 8347
Savannah, GA 31412
Telephone:(912) 650-4100

Septembera Division
P.O. Box 1487 (30903)
933 Broad Street, 3rd Floor
Septembera, Georgia 30901
Telephone:(706) 724-2421

Contact Clerks Office

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