NDGa – Individuals Ineligible to File Without Counseling Certificate or Exemption Under Section 109(h)(3)

11 U.S.C. § 109; Credit Counseling
In re Bland, 2005 Bankr. LEXIS 2686, Case No. 05-85009 (Bankr. N.D. Ga. November 16, 2005)(Bihary); In re Monteiro, 2005 Bankr. LEXIS 2695, Case No. 05-85018 (Bankr. N.D. Ga. October 31, 2005)(Bihary)
Debtors who file after October 17, 2005 must obtain creditor counseling from an approved agency unless he qualifies for an exemption under 109(h)(4) or submits certification under 109(h)(3) that is satisfactory to the court. Otherwise, he is not eligible to file.