Last updated September 18, 2026
Short answer
Georgia provides a categorized exemption list. Homestead, vehicle, household goods, and a wildcard are the lines people ask about most. Read the current OCGA text for amounts. Some federal retirement protections still apply on top.
Unlike Alabama’s more compact personal-property statute, Georgia itemizes. That can be better for a modest car and household goods and a wildcard leftover—or worse if a category is maxed. Stacking is a schedule-drafting issue. Child pages cover homestead and vehicle.
How Brock & Stout can help
We map each asset to a § 44-13-100 paragraph and choose Chapter 7 or 13 based on leftover non-exempt value. We do not guarantee the trustee will agree with values.
Bankruptcy offices
Columbus, GA
Columbus bankruptcy attorneys
Frequently asked questions
Property that fits a § 44-13-100 category (and any applicable federal exclusion), up to the statutory limits, if you own it and claim it correctly.
Related resources
- Georgia Bankruptcy: Exemptions, Courts, and Columbus Representation — Georgia Bankruptcy: Exemptions, Courts, and Columbus Representation
Georgia cases are federal, with a detailed state exemption statute. Brock & Stout’s bankruptcy service in Georgia is currently through the Columbus office. Atlanta is a firm location for other practices, not a bankruptcy office page. Venue still follows where you live.
- Georgia Homestead Exemption — Georgia Homestead Exemption
Georgia protects a qualifying residence up to the homestead amount in § 44-13-100(a)(1). It is a dollar cap. A large amount of equity, or a pending foreclosure, can still force Chapter 13 or a sale analysis. This is not Alabama’s homestead statute.
- Georgia Vehicle Exemption — Georgia Vehicle Exemption
Georgia has a specific motor-vehicle exemption paragraph. You may also use wildcard leftover if the statute allows. A financed car still needs a loan strategy. Do not apply Alabama’s personal-property-only approach to a Georgia car.
- What Property Can You Keep in Bankruptcy? — What Property Can You Keep in Bankruptcy?
Filing creates a bankruptcy estate, but exemptions can protect property you need. Alabama and Georgia generally require state exemptions rather than the federal list. Whether you keep a house or car also depends on the loan, equity, and which chapter you file.
Not sure whether Chapter 7 or Chapter 13 fits?
We can review your debts, assets, and goals and explain options that may be available under current law.
This page is general educational information about bankruptcy as of the date shown. It is not legal advice, does not create an attorney-client relationship, and does not guarantee results. Outcomes depend on individual facts and current federal and state law. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
