Legal Question in Credit and Debt Law in Georgia

You will still need to answer the complaint in court. Call a bankruptcy attorney and ask. The consult is usually free.

Martin's answer is partly incorrect.

Assuming you are eligible for bankruptcy and file a case before it goes into default it would be unnecessary to answer the complaint as the bankruptcy stays the action. Bear in mind the case goes into default 30 days after filing so you have to ask quickly. (You do need to answer otherwise).

Step one in filing is to get information together. You can get a free worksheet at www.glenashman.com . When you complete that call me at 404.768.3509 and I can meet with you and review the sheet and see if you are eligible for bankruptcy.