For most people seeking bankruptcy, this is the determining factor to what form of bankruptcy they will file. We will work with you to determine if you pass the means test for Chapter 7 bankruptcy. If not, you have other options such as filing for Chapter 13 bankruptcy. Our experienced attorneys will explain to you how the means test affects you.
Once you file Chapter 7, an automatic stay goes into effect, protecting you from legal actions, wage garnishment and harassment from creditors. For many people struggling with debt, this is a huge relief as they have spent months, even years, being verbally abused by creditors and collections agencies.
Changes to the bankruptcy laws in 2005 have made Chapter 7 a more complex process, but our lawyers will handle all of the documentation and make sure every deadline is met so your case moves forward as smoothly as possible. Once you file, the process usually lasts approximately 4 months.