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Qualifying for Chapter 7 Bankruptcy

How to Qualify

Individuals who want to file Chapter 7 bankruptcy are required to qualify under a means test. The person's average monthly income for the past six months will be compared to the median income of a household of their size in their state. According to the U.S. Trustee, U.S. Department of Justice, for cases filed on or after October 15, 2007, median income levels in California are as follows:

· 1 person in household
Monthly: $3,793
Annual: $45,518

· 2 persons in household
Monthly: $5,003
Annual: $60,032

· 3 persons in household
Monthly: $5,397
Annual: $64,766

· 4 persons in household
Monthly: $6,233
Annual: $74,801

· 5 persons in household
Monthly: $6,808
Annual: $81,701

· 6 persons in household
Monthly: $7,383
Annual: $88,601

· 7 persons in household
Monthly: $7,958
Annual: $95,501

· 8 persons in household
Monthly: $8,533
Annual: $102,401

· 9 persons in household
Monthly: $9,108
Annual: $109,301

· 10 persons in household
Monthly: $9,683
Annual: $116,201

Chapter 7 bankruptcy can be a viable form of debt discharge for consumers. However, not all debts can be discharged in a Chapter 7 bankruptcy. Examples of debts that cannot be discharged in bankruptcy include:

  • Alimony and child support
  • Some taxes
  • Criminal restitution

What if I am not eligible for Chapter 7 Bankruptcy?

For individuals who do not qualify for Chapter 7 bankruptcy, Chapter 13 bankruptcy may be the next option. For individuals who do not meet the requirements of either, we may be able to assist with bankruptcy alternatives.

To arrange your free 90 minute consultation with Bonnie Baker, contact our firm today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

1650 Oregon Street
Suite 209
Redding, CA 96001

Phone 530-241-5421
Fax 530-241-7138
Toll Free 1-877-301-4012

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