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Learn if You Qualify for Bankruptcy

Do I Qualify for Bankruptcy?

Using the Chapter 7 Means Test

Most people assume that there is a certain amount of debt that you have had to have acquired in order to be able to apply for bankruptcy; however, this is not the truth. In determining qualifications for bankruptcy, the only thing that you may be asked to do is provide information regarding the debts that you have and proof of your income. When you work with Atlantis Law, an attorney from the team can then evaluate your situation and help find the best legal solution to your debt. In some cases, it may be necessary to take the bankruptcy means test. This test is simply used to determine your eligibility to file under Chapter 7 bankruptcy. If you are not eligible to file under Chapter 7, you can still obtain the benefits of bankruptcy by filing under Chapter 13.

How does the means test work?

In a Chapter 7 means test, your monthly expenses will be deducted from your monthly income. All income-receiving adults living in the same household may be taken into consideration to determine the overall current income level. This deduction will help determine your monthly disposable income. If your disposable income is lower than the median disposable income based on your zip code, you may be eligible to file under Chapter 7 bankruptcy. This test is usually required of individuals who have high amounts of consumer debt. Chapter 7 bankruptcy means tests are available online or through your attorney.

Eligibility to File for Chapter 7

If it has been determined that you are eligible to file for Chapter 7 bankruptcy, you can begin working with your attorney to help drafting a bankruptcy petition. At Atlantis Law, the team will outline your disposable income and take into consideration your long- and short-term goals. By retaining the legal team, you can begin to move forward with your case and become debt free as soon as possible. Now is the time to take your financial situation into your own hands! Call the Atlantis Law as soon as possible.

All questions and concerns that you may have regarding your situation can be directed to a trustworthy Rancho Cucamonga bankruptcy lawyer from Atlantis Law by contacting their team directly to schedule a free case evaluation with a friendly representative.

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