Floyd County Bankruptcy Filings

Bankruptcy records from Floyd County go through the federal court system in the Northern District of Georgia. The county seat is Rome, and Floyd County has a distinct advantage over many other Georgia counties. The Northern District operates a divisional office right in Rome, which means residents can access bankruptcy records locally without driving to Atlanta. PACER provides 24/7 online access to Floyd County bankruptcy cases, while the McVCIS phone line offers free basic case lookups. All types of bankruptcy filings from Chapter 7 to Chapter 13 are searchable through these systems.

Floyd County Bankruptcy Court in Rome

Floyd County residents have a federal bankruptcy court office in their own city. The Northern District of Georgia runs a divisional office at 600 E. 1st Street, 339 Federal Building, Rome, GA 30161. The phone number is (706) 291-5639. This is one of four offices in the Northern District, and it serves the northwest Georgia region.

Having a local court office means Floyd County residents can view bankruptcy records on public computer terminals without any travel. The main office in Atlanta is at the Richard B. Russell Federal Building, 75 Ted Turner Drive SW, Room 1340, Atlanta, GA 30303, phone (404) 215-1000. But for most Floyd County needs, the Rome office works just fine.

Chief Judge Barbara Ellis-Monro heads the Northern District bench. Vania S. Allen is the Clerk of Court. The case information page on the court's website has direct links to search tools and filing resources for Floyd County cases.

How to Look Up Floyd County Bankruptcy Records

There are three paths to search. PACER is the primary online tool. Set up a free account and search by debtor name or case number. Each page costs $0.10. You get full docket information, every filed document, hearing schedules, and real-time status updates for Floyd County bankruptcy cases.

The PACER Case Locator is different. It searches all federal courts across the country at once. Use it when you know a name but not the court. Someone might have lived in Floyd County years ago and filed elsewhere. The Case Locator picks up cases from any district.

McVCIS is free. Call 1-866-222-8029 from any phone. The automated voice system provides case numbers, chapter types, filing dates, assigned judges, trustee names, and case status for Floyd County records. Select the Northern District from the menu. Available all day, every day.

In person at the Rome office, public terminals let you view records at no charge. Printing is $0.10 per page.

Floyd County Bankruptcy Record Costs

PACER runs $0.10 per page for online searches. Documents of 30 pages or less cap at $3.00. If you visit the Rome office, viewing records on the public terminals is free. Printing costs $0.10 per page from those terminals.

Mail or in-person copy requests are $0.50 per page. Certified copies cost an extra $12.00 per document. When you need the court to find a case and you lack the number, submit Form B1320 with $34.00. Payment goes by money order or certified check to "Clerk, U.S. Bankruptcy Court."

Note: The Rome office at (706) 291-5639 can tell you if a Floyd County case is still active or has been sent to archives.

Exemptions for Floyd County Filers

Georgia opted out of the federal exemption list. All Floyd County bankruptcy filers use the state rules found in O.C.G.A. 44-13-100. The homestead exemption protects up to $21,500 in equity. A married couple filing together can shield as much as $43,000 if the home is in one name. Vehicle equity is safe up to $5,000.

Personal property gets a $5,000 blanket exemption, but no single item can be worth more than $300. Jewelry stays protected up to $500. Work tools are exempt to $1,500. The wildcard lets you cover $1,200 of any property plus up to $10,000 from unused homestead value. These limits apply to every Floyd County case filed in the Northern District.

Workers compensation is fully exempt under O.C.G.A. 34-9-84. Social Security and veterans benefits are fully protected too. Retirement accounts, unemployment compensation, and alimony payments all sit beyond the reach of creditors in a Floyd County bankruptcy.

Floyd County Clerk and State Records

The Floyd County Superior Court Clerk in Rome handles state court filings. These include civil cases, criminal records, deeds, and liens. Bankruptcy records are not among them. However, state records sometimes connect to bankruptcy filings. A property lien or deed transfer can relate to a federal bankruptcy discharge.

Search state-level Floyd County records through the GSCCCA portal, which covers all 159 Georgia counties. For federal bankruptcy records, the Northern District court is the only source. Below is the court website that serves as the entry point for Floyd County bankruptcy searches.

Older Floyd County cases may have been transferred to NARA for long-term storage. Call the Rome office at (706) 291-5639 or the Atlanta office at (404) 215-1000 to get the accession number and box number before placing an archive request.

Floyd County Filing Rules and Residency

Georgia requires 730 days of residency to claim state exemptions. Floyd County residents who moved from out of state less than two years ago may have to use their previous state's rules. This is a federal requirement under 11 U.S.C. that applies everywhere.

The gap between filings is also set by federal law. Wait eight years between Chapter 7 cases. Wait four years to file Chapter 13 after Chapter 7. Chapter 13 after Chapter 13 needs a two-year gap. Floyd County sees filings in all four main chapters, with Chapter 7 and Chapter 13 making up the vast majority of cases in the Northern District.

Nearby Counties

Floyd County is in northwest Georgia. The counties listed below are all within the Northern District and use the same federal bankruptcy court system, with some served by the Rome divisional office.