Georgia chapter 7 is the complete liquidation of all assets in order to pay off the creditors and give the debtor, basically, a clean slate. There are some exceptions, however, including alimony, child support and student loans. Bankruptcies will not dissolve those debts. Once a debtor has filed for chapter 7, the creditors can no longer call or harass the debtor for payments. This is called the "automatic stay". The first thing done with filing for Georgia chapter 7 is filling out a Statement of Financial Affairs which lists all of your debts. If after calculating your income, and debts, it is decided that you do not pass the "means test" then you can instead file for chapter 13. The means test determines if you are within the income guidelines for filing chapter 7. Your attorney will be able to explain this in more detail. Although chapter 7 is one of the quickest forms of bankruptcy, it does not always mean it is the best. Nor does it mean it is always the easiest. Normally it is, if like most chapter 7 cases, there are no assets to sell, it is easier. If there are assets to be sold, a trustee must be appointed to sell the items to pay the credtors.