Georgia State Bankruptcy Exemptions
§ 44-13-1. Amount of exemption; who may claim exemption; what charges enforceable
Except as otherwise provided in this article, there shall be exempt from levy
and sale by virtue of any process whatever under the laws of this state any
real or personal property or both of a debtor in the amount of $5,000.00. No
court or ministerial officer in this state shall ever have jurisdiction or
authority to enforce any judgment, execution, or decree against property set
apart under this Code section, including such improvements as may be made
thereon from time to time, except for taxes, for the purchase money of the
property, for labor done on the property, for material furnished for the
property, or for the removal of encumbrances on the property.
§ 18-4-20. Property subject to garnishment generally; claim amount and
defendant's social security number on summons; information to be contained on
summons of garnishment upon financial institution
(a) As used in this Code section, the term:
(1) "Disposable earnings" means that part of the earnings of an individual
remaining after the deduction from those earnings of the amounts required by
law to be withheld.
(2) "Earnings" means compensation paid or payable for personal services,
whether denominated as wages, salary, commission, bonus, or otherwise, and
includes periodic payments pursuant to a pension or retirement program.
(b) All debts owed by the garnishee to the defendant at the time of service of
the summons of garnishment upon the garnishee and all debts accruing from the
garnishee to the defendant from the date of service to the date of the
garnishee's answer shall be subject to process of garnishment; and no payment
made by the garnishee to the defendant or to his order, or by any arrangement
between the defendant and the garnishee, after the date of the service of the
summons of garnishment upon the garnishee, shall defeat the lien of such
garnishment.
(c) All property, money, or effects of the defendant in the possession or
control of the garnishee at the time of service of the summons of garnishment
upon the garnishee or coming into the possession or control of the garnishee at
any time from the date of service of the summons of garnishment upon the
garnishee to the date of the garnishee's answer shall be subject to process of
garnishment except, in the case of collateral securities in the hands of a
creditor, such securities shall not be subject to garnishment so long as there
is an amount owed on the debt for which the securities were given as
collateral.
(d)(1) Notwithstanding subsection (a) of this Code section, the maximum part of
the aggregate disposable earnings of an individual for any work week which is
subject to garnishment may not exceed the lesser of:
(A) Twenty-five percent of his disposable earnings for that week; or
(B) The amount by which his disposable earnings for that week exceed 30 times
the federal minimum hourly wage prescribed by Section 6(a)(1) of the Fair Labor
Standards Act of 1938, U.S.C. Title 29, Section 206(a)(1), in effect at the
time the earnings are payable.
(2) In case of earnings for a period other than a week, a multiple of the
federal minimum hourly wage equivalent in effect to that set forth in
subparagraph (B) of paragraph (1) of this subsection shall be used.
(e) The limitation on garnishment set forth in subsection (d) of this Code
section shall apply although the garnishee may receive a summons of garnishment
in more than one garnishment case naming the same defendant unless the
garnishee has received a summons of garnishment based on a judgment for alimony
or the support of a dependent, in which case the limitation on garnishment set
forth in subsection (f) of this Code section shall apply although the garnishee
may receive a summons of garnishment in more than one garnishment case naming
the same defendant. No garnishee shall withhold from the disposable earnings of
the defendant any sum greater than the amount prescribed by subsection (d) or
subsection (f) of this Code section, as applicable, regardless of the number of
summonses served upon the garnishee.
(f) The exemption provided by subsection (d) of this Code section shall not
apply if the judgment upon which the garnishment is based is a judgment for
alimony or for the support of any dependent of the defendant, provided the
summons of garnishment shall contain a notice to the garnishee that the
garnishment is based on the judgment for alimony or the support of a dependent.
In any case in which the garnishment is based on the judgment, the maximum part
of the aggregate disposable earnings of an individual for any workweek which is
subject to garnishment shall be 50 percent of the individual's disposable
earnings for that week.
(g) Except as provided in Article 7 of this chapter for a summons of continuing
garnishment for support, the summons of garnishment, including a summons of
continuing garnishment pursuant to Article 6 of this chapter, shall on its face
state the total amount claimed to be due at the time of the summons and the
amount subject to garnishment shall not exceed the amount so shown on the
summons of garnishment.
(h) The summons of garnishment, including a summons of continuing garnishment,
may on its face set forth, if known, the social security number of the
defendant.
(i) A summons of garnishment upon a financial institution, or an attachment
thereto, shall state with particularity all of the following information, to
the extent reasonably available to the plaintiff:
(1) The name of the defendant, and, to the extent such would reasonably enable
the garnishee to answer properly the summons, all known configurations,
nicknames, aliases, former or maiden names, trade names, or variations thereof;
(2) The service address and the current addresses of the defendant and, to the
extent such would reasonably enable the garnishee to answer properly the
summons of garnishment and such is reasonably available to the plaintiff, the
past addresses of the defendant;
(3) The social security number or federal tax identification number of the
defendant; and
(4) Account, identification, or tracking numbers known or suspected by the
plaintiff to be used by the garnishee in the identification or administration
of the defendant's funds or property.
A misspelling of any information required by paragraph (1) or (2) of this
subsection, other than the surname of a natural person defendant, shall not
invalidate a summons of garnishment, so long as such information is not
misleading in a search of the garnishee's records.
§ 18-4-22. Exemption of pension or retirement funds or benefits
(a) Funds or benefits from a pension or retirement program as defined in 29
U.S.C. Section 1002(2)(A) or funds or benefits from an individual retirement
account as defined in Section 408 of the United States Internal Revenue Code of
1986, as amended, shall be exempt from the process of garnishment until paid or
otherwise transferred to a member of such program or beneficiary thereof. Such
funds or benefits, when paid or otherwise transferred to the member or
beneficiary, shall be exempt from the process of garnishment only to the extent
provided in Code Section 18-4-20 for other disposable earnings, unless a
greater exemption is otherwise provided by law.
(b) The exemption provided by this Code section shall not apply when the
garnishment is based upon a judgment for alimony or for child support, in which
event such funds or benefits shall then be subject to the process of
garnishment to the extent provided in subsection (f) of Code Section 18-4-20.
(c) Nothing in this Code section shall prohibit the attachment or alienation of
welfare benefits as defined in 29 U.S.C. Section 1002(1) in the control of an
administrator or trustee.
§ 34-7-4. Payment of outstanding wages to beneficiary; payment as release from
claims to funds or claims against employer
(a)(1) Upon the death of any person who was employed by any political
subdivision of the state or by any railroad company or other corporation,
individual, or partnership doing business in this state, if the deceased
employee had wages or other moneys due from such employer, it shall be lawful
for such employer to pay all of such sums if they do not exceed $2,500.00, or
to pay the sum of $2,500.00 if such sums exceed $2,500.00 or upon the death of
any person who was employed by the state, if the deceased employee had wages or
other moneys due from the state, it shall be lawful for the state to pay all of
such sums, as follows:
(A) In the absence of a beneficiary designated in writing by the employee, then
to the employee's surviving spouse;
(B) In the absence of a beneficiary designated in writing by the employee and
where the employee left no surviving spouse but left a surviving minor child or
children, then to the duly qualified guardian of the minor child or children
without any administration upon the estate of the employee; or
(C) Where a beneficiary has been designated in writing by the employee to
receive such sums and such beneficiary is under no legal incapacity to prevent
him from receiving such sums, then to such beneficiary, or, if such beneficiary
is under such legal incapacity, then to his duly qualified guardian.
Such funds to the amount of $2,500.00 shall be exempt from any and all process
of garnishment.
(2) It shall be the responsibility of the employee to provide and the
responsibility of the employer to request the name and current address of the
employee's spouse or, if there is no spouse, the name and current address of
each minor child of the employee. If the employee, at his election, designates
a beneficiary to receive such sums, such designation shall be in writing, shall
include the name and address of such beneficiary, and shall be signed by the
employee. The employer shall inform the employee that any sums payable under
this Code section may be paid pursuant to the designation made by the employee
to a beneficiary, or to the employee's spouse, or to the employee's minor child
or children as provided in this Code section and shall request the employee to
furnish and keep any such information and designation current. The employer
shall not be subject to any penalty for failure to inform and request that the
employee furnish such information and designation, or for the failure of the
employer to pay such sums in accordance with the provisions of this Code
section.
(b) Any employer described in subsection (a) of this Code section may pay over
any sums due under subsection (a) of this Code section upon the demand of such
designated beneficiary or guardian thereof, or, if no such beneficiary is
designated, then upon the demand of the surviving spouse, or, if in the absence
of such designated beneficiary and where there is no surviving spouse, upon the
demand of the minor child or children or the guardian thereof.
(c) The paying over of any sums due as permitted under subsections (a) and (b)
of this Code section to the proper party or parties as set forth in this Code
section shall operate as a release from all claims to such sums or as a release
from all claims against the state, political subdivision thereof, railroad
company, or other corporate, partnership, or individual employer by the estate
of the employee, the creditors thereof, the surviving spouse or minor child or
children or the guardian thereof, or any other person.
§ 33-25-11. Right of beneficiaries and assignees of insurance policies to
proceeds as against creditors and representatives of insured; liability of
insurer for premiums paid with intent to defraud creditors
(a) If a policy of life insurance is effected by any person on his own life or
on another life in favor of a person other than himself or, except in cases of
transfer with intent to defraud creditors, if a policy of life insurance is
assigned or in any way made payable to any such person, the lawful beneficiary
or assignee thereof, other than the insured or the person so effecting such
insurance or executors or administrators of such insured or the person so
effecting the insurance, shall be entitled to its proceeds and avails as
against the creditors and representatives of the insured and of the person
effecting the same, whether or not the right to change the beneficiary shall be
reserved or permitted and whether or not the policy shall be made payable to
the person whose life is insured if the beneficiary or assignee shall
predecease such person.
(b) Subject to the statute of limitations, the amount of any premiums for said
insurance paid with intent to defraud creditors with interest thereon shall
inure to the benefit of creditors from the proceeds of the policy; but the
insurer shall be discharged of all liability thereon by payment of its proceeds
in accordance with its terms, unless before the payment the insurer shall have
received written notice, by or in behalf of a creditor, of a claim to recover
for transfer made or premiums paid with intent to defraud creditors, with
specifications of the amount claimed.
33-29-15. Exemption of policy proceeds from liability for debts of insured and
beneficiary
(a) The proceeds or avails of all accident and sickness policies and of
provisions providing benefits on account of the insured's disability which are
supplemental to life insurance or annuity contract, except credit accident and
sickness policies and credit life policies, shall be exempt from all liability
for any debt of the insured and from any debt of the beneficiary existing at
the time the proceeds are made available for his use.
(b) The exemption of income benefits payable as the result of disability shall
not exceed an average of $250.00 of such benefits per month of the period of
disability.
§ 33-30-10. Exemption of group and blanket policy proceeds from liability for
debts of insured and beneficiary
The proceeds or avails of all group or blanket accident and sickness policies
shall be exempt from all liability for debt to the same extent and under the
same conditions as provided for in the case of individual accident and sickness
insurance by Code Section 33-29-15.
§ 33-15-62. Exemption of benefits from process
No money or other benefit, charity, relief, or aid to be paid, provided, or
rendered by any society shall be liable to attachment, garnishment, or other
process or to be seized, taken, appropriated, or applied by any legal or
equitable process or operation of law to pay any debt or liability of a member
or beneficiary, or any other person who may have a right thereunder, either
before or after payment by the society.
§ 34-9-84. Assignability of claims
No claim for compensation under this chapter shall be assignable, and all
compensation and claims therefor shall be exempt from all claims of creditors.
§ 34-8-252. Assignment, pledge, or encumbrance of right to benefits void;
benefits exempt; waiver of exemption void
Any assignment, pledge, or encumbrance of any right to benefits which are or
may become due or payable under this chapter shall be void. Such rights to
benefits shall be exempt from levy, execution, attachment, or any other remedy
whatsoever provided for the collection of debt except child support obligations
as described in Code Section 34-8-198 and overpayment for benefits as described
in Code Section 34-8-254; and benefits received by any individual, so long as
they are not mingled with other funds of the recipient, shall be exempt from
any remedy whatsoever for the collection of all debts except debts incurred for
necessities furnished to such individual or his or her spouse or dependents
during the time when such individual was unemployed. No waiver of any exemption
provided for in this Code section shall be valid.
§ 49-4-35. Assistance is neither assignable nor subject to legal process or
operation of bankruptcy law; payment of assistance check after death of
recipient
(a) Assistance granted under this article shall not be transferable or
assignable at law or in equity; and none of the money paid or payable under
this article shall be subject to execution, levy, attachment, garnishment, or
other legal process or to the operation of any bankruptcy or insolvency law.
(b) Where a recipient dies after authorization of his assistance grant but
before negotiation of his assistance check for the month in which his death
occurs, endorsement of such check without recourse by the department to the
spouse or nearest living relative of the recipient shall be sufficient
authorization to the drawee bank to pay such check.
§ 49-4-58. Assistance is neither assignable nor subject to legal process; payment
of assistance check after death of recipient
(a) Assistance granted under this article shall not be transferable or
assignable at law or in equity; and none of the money paid or payable under
this article shall be subject to execution, levy, attachment, garnishment, or
other legal process or to the operation of any bankruptcy or insolvency law.
(b) Where a recipient dies after authorization of his assistance grant but
before negotiation of his assistance check for the month in which his death
occurs, endorsement of such check without recourse by the department to the
spouse or nearest living relative of the recipient shall be sufficient
authorization to the drawee bank to pay such check.
§ 47-16-122. Exemption of funds from attachment, garnishment, or judgment;
assignability
None of the funds under this chapter shall be subject to attachment,
garnishment, or judgments rendered against the person entitled to receive such
funds. Such funds shall not be assignable, but shall be paid to the person
determined to be entitled to receive them under this chapter.
§ 47-17-103. Exemption of rights and benefits under this chapter from taxation;
exemption from garnishment, attachment, or other process; assignability
The right to any pension, annuity, allowance, or benefit; to the return of
contributions; to a pension, annuity, allowance or benefit itself; to any
optional benefit, or any other right accrued or accruing to any person under
this chapter; and to moneys under this chapter shall be exempt from any tax
imposed by this state, county, municipal, or other political subdivision,
except as provided in Code Section 48-7-27; exempt from levy and sale,
garnishment, attachment, or any other process whatsoever; and shall be
unassignable unless otherwise specifically provided for in this chapter.
§ 47-7-122. Exemption of benefits under this chapter from garnishment,
attachment, or other process; exemption from taxation; assignment of such
benefits
Benefits under this chapter shall not be subject to attachment, garnishment,
levy, or other legal process against the firefighter, volunteer firefighter, or
a designated beneficiary entitled to receive such benefits; nor shall such
benefits or rights be assignable unless specifically provided for in this
chapter. Benefits under this chapter are expressly declared to be exempt from
any and all taxation, whether imposed by any state, county, municipality, or
other political subdivision.
§ 47-11-91. Exemption of funds from attachment, garnishment, or judgment;
assignability
None of the funds provided for in this chapter shall be subject to attachment,
garnishment, or judgment rendered against the person entitled to receive the
same. Such funds shall not be assignable.
§ 47-14-91. Exemption of rights and benefits under this chapter from taxation;
exemption from levy and sale, garnishment, attachment, or other process;
assignability
The right to any pension, allowance, or benefit; the right to the return of
contributions; any optional benefit; or any other right accrued or accruing to
any person under this chapter; and moneys under this chapter shall be exempt
from any tax imposed by any state, county, municipal, or other political
subdivision, except as provided in Code Section 48-7-27, and shall be exempt
from levy and sale, garnishment, attachment, or any other process. Such funds
and benefits shall not be assignable.
§ 47-2-332. Exemption of rights and benefits from taxes, legal process, and
assignment of retirement system property as public property; exemptions for
retirement system property
(a) The right to a pension, annuity, retirement allowance, return of
contributions, the pension, annuity, or retirement allowance itself, any
optional benefit, or any other right accrued or accruing to any person under
this chapter and the moneys in the various accounts created by this chapter
are:
(1) Exempt from any state, county, or municipal tax, except as provided in Code
Section 48-7-27;
(2) Exempt from levy and sale, garnishment, attachment, or any other process
whatsoever; and
(3) Not assignable except as otherwise specifically provided in this chapter.
(b) The tangible, intangible, real, personal, or mixed property, investments, or
assets of the retirement system of whatever kind or nature and the earnings or
proceeds derived from such property, investments, or assets are public property
and are:
(1) Exempt from taxation by the state or by any county, municipality,
authority, or political subdivision of this state; and
(2) Exempt from levy and sale, garnishment, attachment, or any other process
whatsoever.
(c) The transfer or sale of tangible, real, personal, or mixed property,
investments, or assets to or from the retirement system and the instruments of
such transfer or sale shall be exempt from any tax on such sales, transfers, or
instruments, which tax is levied by the state or by any county, authority,
municipality, or political subdivision of this state.
§ 47-5-71. Exemption from levy, attachment, or other process of funds held by
the board of trustees or for its account; assignment of benefits or contracts
established under this chapter
Funds held by the board of trustees or for its account shall not be subject to
process, levy, or attachment; nor shall benefits arising under this chapter or
any contract pursuant to this chapter be assignable.
§ 47-3-28. Rights exempted from levy and sale, garnishment, and other process;
assignability; exemptions for other retirement systems; assets and investments
and their transfer or sale exempted
(a) The right to a pension, annuity, retirement allowance, return of
contributions, the pension, annuity, or retirement allowance itself, any
optional benefit, or any other right accrued or accruing to any person under
this chapter and the moneys in the various accounts created by this chapter are
exempt from any state, county, or municipal tax, except as provided in Code
Section 48-7-27; exempt from levy and sale, garnishment, attachment, or any
other process whatsoever; and shall not be assignable except as otherwise
specifically provided in this chapter. The exemptions under this Code section
shall extend to benefits accrued or accruing to any member of a local
retirement system, whether such benefits are attributable to amounts paid by
the retirement system to such local retirement system for the account and
benefit of the member, or otherwise.
(b) A resident of this state who receives a pension, annuity, or retirement
allowance from a teachers' retirement system of another state or political
subdivision shall be entitled to the same exemptions with respect to such
benefits as are set forth in subsection (a) of this Code section, provided that
the law of such other state or political subdivision allows substantially the
same treatment to a person residing there with respect to a pension, annuity,
or retirement allowance received from the Teachers Retirement System of
Georgia.
(c) The tangible, intangible, real, personal, or mixed property investments or
assets of this retirement system of whatever kind or nature and the earnings or
proceeds derived from such investments or assets are declared to be public
property and exempt from taxation by the state, or by any county, municipality,
authority, or political subdivision of this state and exempt from levy and
sale, garnishment, attachment, or any other process whatsoever.
(d) The transfer or sale of tangible, real, personal, or mixed property
investments or assets to or from this retirement system and the instruments of
such transfer or sale shall be exempt from any tax on such sales, transfers, or
instruments levied by the state or by any county, authority, municipality, or
political subdivision of this state.
§ 47-4-120. Exemption of rights and benefits from state and local taxes and from
legal process; restriction on assignability
The right to a retirement benefit, return of contributions, any optional
benefit, or any other right accrued or accruing to any person under this
chapter shall be exempt from any state, county, or municipal tax, except as
provided in Code Section 48-7-27; exempt from levy and sale, garnishment,
attachment, or any other process whatsoever; and unassignable, except as
otherwise specifically provided for in this chapter.
§ 47-6-100. Exemption of rights and benefits from taxation; exemption from legal
process; assignability
The right of a person to a retirement allowance or to the return of
contributions, a retirement allowance itself, any optional allowance or payment
on death, or any other right accrued or accruing to any person under this
chapter and the moneys of the system are exempted from any state or municipal
tax; are exempted from levy and sale, garnishment, attachment, or any other
process whatsoever; and shall be unassignable except as otherwise specifically
provided for in this chapter.
§ 44-13-100. Exemptions for purposes of bankruptcy and intestate insolvent
estates
(a) In lieu of the exemption provided in Code Section 44-13-1, any debtor who is
a natural person may exempt, pursuant to this article, for purposes of
bankruptcy, the following property:
(1) The debtor's aggregate interest, not to exceed $10,000.00 in value, in real
property or personal property that the debtor or a dependent of the debtor uses
as a residence, in a cooperative that owns property that the debtor or a
dependent of the debtor uses as a residence, or in a burial plot for the debtor
or a dependent of the debtor. In the event title to property used for the
exemption provided under this paragraph is in one of two spouses who is a
debtor, the amount of the exemption hereunder shall be $20,000.00;
(2) The debtor's right to receive:
(A) A social security benefit, unemployment compensation, or a local public
assistance benefit;
(B) A veteran's benefit;
(C) A disability, illness, or unemployment benefit;
(D) Alimony, support, or separate maintenance, to the extent reasonably
necessary for the support of the debtor and any dependent of the debtor;
(E) A payment under a pension, annuity, or similar plan or contract on account
of illness, disability, death, age, or length of service, to the extent
reasonably necessary for the support of the debtor and any dependent of the
debtor; and
(F) A payment from an individual retirement account within the meaning of Title
26 U.S.C. Section 408 to the extent reasonably necessary for the support of the
debtor and any dependent of the debtor;
(2.1) The debtor's aggregate interest in any funds or property held on behalf
of the debtor, and not yet distributed to the debtor, under any retirement or
pension plan or system:
(A) Which is: (i) maintained for public officers or employees or both by the
State of Georgia or a political subdivision of the State of Georgia or both;
and (ii) financially supported in whole or in part by public funds of the State
of Georgia or a political subdivision of the State of Georgia or both;
(B) Which is: (i) maintained by a nonprofit corporation which is qualified as
an exempt organization under Code Section 48-7-25 for its officers or employees
or both; and (ii) financially supported in whole or in part by funds of the
nonprofit corporation;
(C) To the extent permitted by the bankruptcy laws of the United States similar
benefits from the private sector of such debtor shall be entitled to the same
treatment as those specified in subparagraphs (A) and (B) of this paragraph,
provided that the exempt or nonexempt status of periodic payments from such a
retirement or pension plan or system shall be as provided under subparagraph
(E) of paragraph (2) of this subsection; or
(D) An individual retirement account within the meaning of Title 26 U.S.C.
Section 408;
(3) The debtor's interest, not to exceed the total of $3,500.00 in value, in
all motor vehicles;
(4) The debtor's interest, not to exceed $300.00 in value in any particular
item, in household furnishings, household goods, wearing apparel, appliances,
books, animals, crops, or musical instruments that are held primarily for the
personal, family, or household use of the debtor or a dependent of the debtor.
The exemption of the debtor's interest in the items contained in this paragraph
shall not exceed $5,000.00 in total value;
(5) The debtor's aggregate interest, not to exceed $500.00 in value, in jewelry
held primarily for the personal, family, or household use of the debtor or a
dependent of the debtor;
(6) The debtor's aggregate interest, not to exceed $600.00 in value plus any
unused amount of the exemption, not to exceed $5,000.00, provided under
paragraph (1) of this subsection, in any property;
(7) The debtor's aggregate interest, not to exceed $1,500.00 in value, in any
implements, professional books, or tools of the trade of the debtor or the
trade of a dependent of the debtor;
(8) Any unmatured life insurance contract owned by the debtor, other than a
credit life insurance contract;
(9) The debtor's aggregate interest, not to exceed $2,000.00 in value, less any
amount of property of the estate transferred in the manner specified in Section
542(d) of U.S. Code Title 11, in any accrued dividend or interest under, or
loan or cash value of, any unmatured life insurance contract owned by the
debtor under which the insured is the debtor or an individual of whom the
debtor is a dependent;
(10) Professionally prescribed health aids for the debtor or a dependent of the
debtor; and
(11) The debtor's right to receive, or property that is traceable to:
(A) An award under a crime victim's reparation law;
(B) A payment on account of the wrongful death of an individual of whom the
debtor was a dependent, to the extent reasonably necessary for the support of
the debtor and any dependent of the debtor;
(C) A payment under a life insurance contract that insured the life of an
individual of whom the debtor was a dependent on the date of such individual's
death, to the extent reasonably necessary for the support of the debtor and any
dependent of the debtor;
(D) A payment, not to exceed $10,000.00, on account of personal bodily injury,
not including pain and suffering or compensation for actual pecuniary loss, of
the debtor or an individual of whom the debtor is a dependent; or
(E) A payment in compensation of loss of future earnings of the debtor or an
individual of whom the debtor is or was a dependent, to the extent reasonably
necessary for the support of the debtor and any dependent of the debtor.
(b) Pursuant to 11 U.S.C. Section 522(b)(1), an individual debtor whose domicile
is in Georgia is prohibited from applying or utilizing 11 U.S.C. Section 522(d)
in connection with exempting property from his or her estate; and such
individual debtor may exempt from property of his or her estate only such
property as may be exempted from the estate pursuant to 11 U.S.C. Section
522(b)(2)(A) and (B). For the purposes of this subsection, an 'individual
debtor whose domicile is in Georgia' means an individual whose domicile has
been located in Georgia for the 180 days immediately preceding the date of the
filing of the bankruptcy petition or for a longer portion of such 180 day
period than in any other place.
(c) The exemptions and protections contained in this article are extended to
intestate insolvent estates in all cases where there is a living widow or child
of the intestate.
Note: Exemptions may have changed since our last update. For the latest updates on these property exemptions, speak to a local bankruptcy lawyer.
» Back to Bankruptcy Laws In Your State