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Bankruptcy costs in Georgia are actually quite affordable and legal fees can usually be managed if the attorney is reasonable. Court filing fees are among the initial costs of a Chapter 7 or Chapter 13 bankruptcy. In the Northern and Middle Districts of Georgia, the Chapter 7 filing fee is $338 as of 2023.

The bankruptcy court charges a $338filing fee for Chapter 7. If your household income is below 150% of the federal poverty guidelines, you may qualify for a fee waiver (see the Georgia Fee Waiver Eligibility table below). The Northern District of Georgia provides a detailed overview of how fee waivers work.

Again, there's no minimum or maximum amount of unsecured debt required to file Chapter 7 bankruptcy. In fact, your amount of debt doesn't affect your eligibility at all. You can file as long as you pass the means test.

In a Chapter 13 bankruptcy, an unsecured creditor who is not scheduled in or notified of the filing of the bankruptcy case is not discharged at all. Such a creditor will receive no payment from the Chapter 13 Trustee (who, at the very least, needs a dollar-figure debt amount and an address to which to mail a check).

Adding debt to Chapter 13 is possible. However, it requires a motion to the court and approval from the judge overseeing the case. It is important to remember that you can only add debts incurred after you filed bankruptcy. The court won't include all creditors.

Generally, adding debts after a bankruptcy is filed is allowed so long as the debt existed before you filed and it is added within a certain amount of time. However, the situation can vary depending on whether you filed a Chapter 7 or a Chapter 13 bankruptcy.