Do I Have to Have a Bad Credit Score to File Chapter 7 or Chapter 13 Bankruptcy in Georgia?

There are a lot of misconceptions about the requirements for and impact of filing Chapter 7 or Chapter 13 bankruptcy in Georgia. One concern that I encountered recently is whether a filer has to have a low credit score to file for Chapter 7 bankruptcy.

The answer is NO! You do not have to have any particular credit score to file for Chapter 7 or Chapter 13 bankruptcy in Georgia. While bankruptcy will impact your score, your FICO score or credit score is completely unrelated to your ability to seek bankruptcy protection.

Bankruptcy in Georgia

Your income is related to your ability to seek bankruptcy protection. To file Chapter 7 or Chapter 13 you will first need to evaluate your income under the “median income test.” The “median income test” compares your income over the past six months before the current month to that of a similarly-sized family in your state. If your income is less than the median income you are free to file. If your income is over the median you must evaluate your income under the means test which is used to determine whether you have enough income to fund a Chapter 13 bankruptcy plan. If you do have enough money under the means test to fund a Chapter 13 plan you will not be allowed to file for Chapter 7 bankruptcy.

If you are considering filing for bankruptcy please consult an experienced bankruptcy attorney. For a free initial consultation please contact the Law Offices of Charles Clapp at 404.585.0040.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!