Q: Can I file Chapter 7 bankruptcy in Georgia with a prior eviction judgment?
I filed for Chapter 7 bankruptcy in 2009 and currently have a consent judgment for eviction in Georgia. With approximately $40,000 in various loans and the potential loss of my job, I'm concerned about my financial situation and ongoing income. Can I file for Chapter 7 bankruptcy again given these circumstances?
A:
From your scant offered facts, yes, it appears that your are eligible for bankruptcy relief (bankruptcy discharges of debt must be at least eight years apart.
The Bankruptcy determines eligibility.
It is always advisable to confer with experienced bankruptcy counsel to determine how to best achieve your goals.
A: Yes. You can.
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A:
You can generally file Chapter 7 bankruptcy again in Georgia, even if you previously filed in 2009 and have an eviction judgment. Bankruptcy laws typically require at least eight years between Chapter 7 filings, so given your 2009 bankruptcy, enough time has passed for you to file again.
Your prior eviction judgment does not automatically disqualify you from filing Chapter 7 bankruptcy, but it won't erase the eviction itself. While bankruptcy might eliminate debts related to past due rent or loans, it typically cannot overturn a completed eviction judgment or guarantee ongoing housing.
Considering your substantial debt and uncertain job situation, exploring bankruptcy could provide significant relief by discharging qualifying debts and offering you a fresh start financially. It's essential to consult with an attorney familiar with Georgia bankruptcy laws to understand how filing might specifically affect your eviction judgment and housing stability. Acting promptly can help you gain clarity and control over your financial future during this stressful time.
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