Southern District of Georgia
United States Bankruptcy Courtsare courts created under Article I of the United States Constitution to help people who can no longer pay their debts. There are different types of bankruptcies, which are usually referred to by their chapter in the U.S. Bankruptcy Code.
- Chapter 13, Repayment Plan or a Wage Earner’s Plan is for individuals with regular income to develop a plan to repay some or all of their debts. Chapter 13 offers individuals an opportunity to save their home from foreclosure, stop repossession, recovering vehicles that have already been reposed, stopping garnishments, and dealing with delinquent taxes.
- Chapter 7 or liquidation is for individuals, businesses, corporations, partnerships, LLCs, and other business entities to seek relief from debt. In a Chapter 7 bankruptcy, the individual is allowed to keep certain exempt property; however, most liens(such as real estate mortgages and security interests for car loans) survive. Any non-exempt assets are sold (liquidated) by the trustee repay creditors.
Garnishment actions, foreclosures, repossessions, federal or state tax claims, medical bills, credit cards, creditor harassment, civil actions, collection actions, lawsuits, etc.
Brunswick Division:
801 Gloucester St.
Brunswick, GA 31520
(912) 280-1376
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Counties Served: Appling County, Camden County, Glynn County, Jeff Davis County, Long County, McIntosh County, Wayne County
- Cities: Appling (Baxley [31513, 31513], Surrency [31563]); Camden (Kings Bay [31547], Kingsland [31548], St. Mary’s [31558], Waverly [31565] White Oak [31568], Woodbine [31569]); Glynn County (Brunswick [31520, 31521, 31523, 31525], St Simons Island [31522], Jekyll Island [31527], Sea Island [31561] ), Jeff Davis (Hazlehurst [31539], Denton [31532]); Long County (Ludowici [31316), McIntosh (Darien [31305], Meridian [31319], Sapelo Island [31327], Townsend 31331], Eulonia 31331], Shellman Bluff [31331], Crescent [31304]) Wayne County (Jesup [31545, 31546, 31598] , Screven [31560], Odum [31555])
Waycross Division:
601 Tebeau St.
Waycross, GA 31501
(912) 280-1376
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Counties Served: Atkinson County, Brantley County, Charlton County, Coffee County, Pierce County, Ware County
- Cities: Atkinson (Axson [31624], Pearson [31642], Willacoochee [31650]); Brantley County (Hoboken [31542], Hortense [31543], Nahunta [31553], Waynesville[31566]); Charlton (Folkston[31537], St. George [31562]); Coffee (Douglas ([31533, 31534, 31535], Nicholls [31554], Broxton [31519], Ambrose [31512], West Green [31567]); Pierce (Blackshear [31516], Patterson [31557], Bristol [31518], Mershon [31551], Offerman [31556]); Ware County (Waycross [31501, 31502, 31503], Manor [31550], Millwood [31552], Waresboro [31564])