Chapter 7 Bankruptcy Requirements

Can You File Chapter 7 Bankruptcy?

Chapter 7 bankruptcy may erase your unsecured debts (credit cards, medical bills, payday loans, utility bills, etc.) -- if you qualify.

In order to file for Chapter 7 bankruptcy protection, you must "pass" the means test, obtain credit counseling and complete a debtor education course.

Ask a bankruptcy lawyer whether you qualify to discharge your debts through Chapter 7:

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Chapter 7 Means Test This test determines whether you're eligible to file Chapter 7 bankruptcy based on your debts, income, assets and state exemptions.

State Median Incomes Learn the median income in your state. The Chapter 7 means test is mostly based on the median income for each state. If your annual income is at or below the median for your state, then you are most likely eligible to file Chapter 7.

Credit Counseling Q&A By law, everyone must receive credit counseling briefing before they file Chapter 7 bankruptcy. Find out how you can complete the requirement online or over the phone.

Debtor Education Course By law, everyone must also complete a debtor education course before they receive their Chapter 7 debt discharge. Find out how you can complete this requirement online or over the phone.

Chapter 7 bankruptcy is a real debt solution for many people; however, not everyone is allowed to file for it.

If you have questions about your Chapter 7 eligibility or if you’re considering Chapter 13 bankruptcy, fill out the above form to speak with an attorney about your bankruptcy options.

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