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Georgia Bankruptcy Laws


The principle place of residence of the exempted up to the extent of $ 10,000 and $ 20,000 for married couples.


Disposable earnings up to the extent of 75% or 30 times the federal minimum hourly wage per week, whichever is greater.

Personal Property:

Personal property of debtor empted up to $ 600 plus unused portion of exemption property but not exceeding $ 5,000.

Wages of deceased employee:

Wages of deceased employee's are exempted up the extent of $ 2,500.

Professional Tools and Implements:

Equipment and machines required for carrying out trade or profession is exempted up to the extent of $ 1000.


Jewelry for debtor and dependent of debtor up to the extent of $ 500.


Motor vehicle for personal usage is exempted up to the extent of $ 3,500.

Household Furniture:

Furniture, implements, appliances, books, wearing apparel, animal, crops or musical instruments of debtor or his/her dependents are exempted up to the aggregate limit of $ 3,500 with the limit of $ 300 per article.

Life insurance:

Debtor's aggregate interest in accrued dividends, loan value on unmatured life insurance contracts owned by the debtor and insuring the debtor or his/her dependent up to the extent of $ 2,000.

Retirement Plan:

100% till distribution then according to the GCA rules given in GCA 18-4-20.

Total or Absolute Exemptions for:

  • Professionally prescribed medical bills of debtor and dependents.
  • Tuition prepaid payments.
  • Crime victim's reparation awards.
  • Specific partnership benefits.
  • Fireman's pension benefits.
  • Public assistance benefits.
  • Unemployment compensation benefits.
  • Fraternity benefits society benefits.
  • Worker's compensation benefits.
  • Proceeds of annuity contracts.
  • Group life and disability insurance benefits.
  • Blind's pension benefits.
  • District Attorney's retirement benefits.
  • Judge's retirement benefits.
  • Sheriff and Peace officer's retirement benefits.
  • Funds and benefits subject to ERISA.

Court's Address:

433 Cherry Street, P.O. Box 1957, Macon, GA 31202

Court's Phone Number

: (478) 752-3506VCIS: (478) 752-8183 or (800) 211-3015

Court's Email Address


Court's Hours

: 8:30 AM - 5:00 PM

Court Locations

: Albany, Athens, Columbus, Macon, Thomasville, ValdostaMacon Divisional Office
United States Bankruptcy Court
433 Cherry Street P.O. Box 1957 Macon, GA 31202
Phone: (478) 752-3506
Fax: (478) 752-8157
VCIS: (478) 752-8183 (800) 211-3015
Columbus Divisional Office
United States Bankruptcy Court901 Front Avenue One Arsenal Place P.O. Box 2147 Columbus, GA 31902
Phone: (706) 649-7837
Fax: (706) 649-7845

Jurisdictional Counties

: Baker, Baldwin, Ben Hill, Berrien, Bibb, Bleckley, Brooks, Butts, Calhoun, Chattahoochee, Clarke, Clay, Clinch, Colquitt, Cook, Crawford, Crisp, Decatur, Dooley, Dougherty, Early, Echols, Elbert, Franklin, Grady, Greene, Hancock, Harris, Hart, Houston, Irwin, Jasper, Jones, Lamar, Lanier, Lee, Lowndes, Macon, Madison, Marion, Miller, Mitchell Monroe, Morgan, Oconee, Ogelthorpe, Peach, Pulaski, Putnam, Quitman, Randolph, Seminole, Stewart, Talbot, Taylor, Thomas, Tift, Turner, Twiggs, Upson, Walton, Washington, Webster, Wilcox, Wilkinson, Worth


: Hon. John T. Laney, IIIOne Arsenal Place P.O. Box 2147 Columbus, GA 31902(706) 649-7837 x4435Hon. James D. Walker, Jr.433 Cherry St. P.O. Box 1957 Macon, GA 31202(478) 752-3506 x3362Hon. Robert F. Hershner, Jr. (Chief Judge)433 Cherry St. P.O. Box 1957 Macon, GA 31202(478) 752-3506 x3325


: Ron Henderson (Division Manager)One Arsenal Place 901 Front Ave. Columbus, GA 31902(706) 649-7837 x4424William E. Tanner (Bankruptcy Clerk)P.O. Box 1957 433 Cherry St. Macon, GA 31202(478) 752-3506

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