Can I still file for a chapter 7 if I have a job? 33 Answers as of June 14, 2013

I am looking to file for bankruptcy, but I want to be able to get rid of all my debt. I'm not sure if I can do that if I have a job, right? How does that work?

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Mercado & Hartung, PLLC
Mercado & Hartung, PLLC | Christopher J. Mercado
You'll need to pass the mean's test. Contact a local attorney for specifics.
Answer Applies to: Washington
Replied: 7/2/2012
Connaghan Newberry Law Firm
Connaghan Newberry Law Firm | Tara D. Newberry
You can file chapter 7 while working, eligibility for 7 is only limited by how much money you are making in comparison with the median income based on household size. Chapter 7 is an excellent way to eliminate debt and get a fresh start. I recommend consulting with a qualified bankruptcy attorney so they are able to analyze your income and debt, and determine if you will be able to proceed with a chapter 7 case.
Answer Applies to: Nevada
Replied: 6/27/2012
Debt Crushers
Debt Crushers | Emily Chase Smith
Good question. In 2005 Congress made qualifying for a Chapter 7 bankruptcy more difficult, but it's still available for many wage earners. The amount you can earn depends on the median in your state. If you earn over that amount, but have necessary expenses for which you need all your income. We generally find these expenses in house payments, cars, medical insurance and childcare.
Answer Applies to: California
Replied: 6/27/2012
The Law Offices of Kristy Qiu
The Law Offices of Kristy Qiu | Mengjun Qiu
Having a job won't cause any problem for bankruptcy filing. If your income is over the state median for the size of your household, you might need to file for a chapter 13 instead of 7. Speak to an attorney to learn about the details.
Answer Applies to: Florida
Replied: 6/26/2012
The Martin Law Group
The Martin Law Group | Yolvondra Martin-Brown
You absolutely can file bankruptcy if you have a job. Your income is one of the factors in determining if you are eligible to file a Chapter 7. In Georgia, for a household of one, if your median income does not exceed $40,947 then you are automatically eligible to file Chapter 7 assuming you do not have significant assets or equity in real property.
Answer Applies to: Georgia
Replied: 6/26/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    Having a job is not the issue. The issue is your income and allowed deductions. See a lawyer, as the means test is deceptively easy looking and people make mistakes all the time. Unless you are UNDER the mans test number (available on the net) - you need to see a lawyer.
    Answer Applies to: California
    Replied: 6/26/2012
    The Smalley Law Firm, LLC | Cary Smalley
    Yes, depending on how much money you make. I suggest you consult with a bankruptcy attorney to discuss the details of your specific situation.
    Answer Applies to: Kansas
    Replied: 6/26/2012
    Neuhaus Law Office
    Neuhaus Law Office | Gregory M. Neuhaus
    Your eligibility to file for Chapter 7 protection depends on the amount of your income, not on whether you have a job. Many people filing Chapter 7 are working. Depending on household size, you can make significant income and still file.
    Answer Applies to: Nebraska
    Replied: 6/26/2012
    Law Office of Pho Ethan Tran PLLC
    Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
    You can still file for Chapter 7 even if you have a job as long as your income is below the state median and you are unable to repay your debts.
    Answer Applies to: Texas
    Replied: 6/26/2012
    Olson Law Firm | Edward M Olson
    Yes. You can file a bankruptcy if you have a job.
    Answer Applies to: Michigan
    Replied: 6/26/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    Yes you can file chapter 7 bankruptcy. If your income is above the state median income, then your attorney may have to qualify you by completing an additional "means test" so sit with an attorney to see if you qualify.
    Answer Applies to: New York
    Replied: 6/26/2012
    Jakob-Barnes Law Firm, LLC
    Jakob-Barnes Law Firm, LLC | Jennifer Jakob-Barnes
    Yes. Speak with any attorney to determine whether your income qualifies you for a Chapter 7 bankruptcy.
    Answer Applies to: Georgia
    Replied: 6/26/2012
    The Law Offices of Deborah Ann Stencel | Deborah A. Stencel
    Certainly. In order to file a Chapter 7 bankruptcy, you must qualify for one and it should benefit you. Qualifications include not having filed another 7 in the past 8 years, having less income than monthly expense, passing the means test and few others. See a lawyer.
    Answer Applies to: Wisconsin
    Replied: 6/26/2012
    Ferguson & Ferguson
    Ferguson & Ferguson | Jackie Ferguson Graham
    You can still file a chapter 7 if you have a job. However if you have too much household income then you may not qualify for a chapter 7. Your only alternative as far as a bankruptcy would be a chapter 13.
    Answer Applies to: Alabama
    Replied: 6/26/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    You can file for bankruptcy even if you have a job. The issue is how much you make and do you qualify with your income. The fact that you have a job does not stop you from filing.
    Answer Applies to: California
    Replied: 6/26/2012
    Law Office of L. Paul Zahn
    Law Office of L. Paul Zahn | Paul Zahn
    Yes, many employed people qualify for filing bankruptcy.
    Answer Applies to: California
    Replied: 6/26/2012
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    Most people who file bankruptcy are employed. Its just that you do not have the ability to make meaningful payment to your creditors. You should consult a bankruptcy attorney for guidance.
    Answer Applies to: Indiana
    Replied: 6/26/2012
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Many people who work are eligible to file. How much you make affects whether you can.
    Answer Applies to: Georgia
    Replied: 6/26/2012
    Alvin Lundgren | Alvin Lundgren
    You can file for either ch 7 or ch 13, it will depend on your income and assets.
    Answer Applies to: Utah
    Replied: 6/25/2012
    Barbara Fontaine, Esquire | Barbara Fontaine
    Most people who file DO have a job. In fact, it would not be a great idea to file if they could not get anything from you by a lawsuit. However, if you debt is not too big, you might try to pay it or get it reduced. Ten years on your credit record is a long time.
    Answer Applies to: Rhode Island
    Replied: 6/25/2012
    Steven Alpers | Steven Alpers
    It depends on how much money you make and how many children and if you have a wife. There are financial limits which de pend on the number of family members and other dependants.
    Answer Applies to: California
    Replied: 6/25/2012
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    Most people that file for chapter 7 have jobs. If you have income you must qualify under the means test which allows certain income levels depending on family size and other factors.
    Answer Applies to: California
    Replied: 6/25/2012
    Weber & Phillips, P.A.
    Weber & Phillips, P.A. | John G. Phillips
    Having a job does not keep you from filing Chapter 7. It is a combination of factors that determines your eligibility for a Chapter 7. Your income, expenses and debt all factor into determining what you qualify to do. Good luck.
    Answer Applies to: Arkansas
    Replied: 6/25/2012
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    You are eligible to file bankruptcy whether you are employed or not. Depending on how much you earn you may not qualify for chapter 7 based on what is called the "means test." Consult with an attorney as to the specific facts of your situation.
    Answer Applies to: California
    Replied: 6/25/2012
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
    Yes.
    Answer Applies to: California
    Replied: 6/14/2013
    Wajda Law Group, APC
    Wajda Law Group, APC | Nicholas M. Wajda
    Potentially. The mere fact that you are employed does not on its own disqualify you from filing Chapter 7. The determination comes from a combination of your overall income (from employment and other sources) compared to your reasonable household expenses. I suggest that you set up a consultation (usually these are free) with a licensed attorney in your state. The attorney can usually tell you right away if you will qualify for Chapter 7.
    Answer Applies to: Nevada
    Replied: 6/25/2012
    Ipson Law Firm, PLLC
    Ipson Law Firm, PLLC | Michael Ipson
    Yes, you can file for bankruptcy if you have a job. There is an income requirement that you must meet called the means test to file a chapter 7 but if you don't you can always file for chapter 13.
    Answer Applies to: Utah
    Replied: 6/25/2012
    Attorney At Law | Harry D. Roth
    You may file for chapter 7 with a job. You must disclose your income and if it is over a certain level, based on family size, then you may not be able to file. This is complicated, though, and you are best off getting an attorney to help you with this.
    Answer Applies to: California
    Replied: 6/25/2012
    Kenneth A. Parker, P.C.
    Kenneth A. Parker, P.C. | Ken Parker
    You may be able to qualify for a Chapter 7 even if you have a job. There are income limitations that you would need to meet to be eligible. Please contact a Bankruptcy Attorney to find out your options. ct should not be modified, otherwise your answer will not be valid.
    Answer Applies to: Georgia
    Replied: 8/13/2012
    The Stockman Law Office | Mary Stockman Esq.
    Yes. A chapter 7 if you qualify, and if not a chapter 13 or 11.
    Answer Applies to: Florida
    Replied: 6/14/2013
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    Yes, you can. The more important questions are "should you" and "what type of bankruptcy should you file?" Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
    Answer Applies to: Arizona
    Replied: 6/25/2012
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    Most people filing a bankruptcy have jobs. The question is whether you can demonstrate that you lack the ability to pay back a significant portion of your debt with the income from the job.
    Answer Applies to: Michigan
    Replied: 6/25/2012
    R. Jason de Groot, P.A
    R. Jason de Groot, P.A | R. Jason de Groot
    Yes, you can file chapter 7 if you have a job. It will get rid of all of your debt. You should see if you qualify for chapter 7 by taking the online means test calculator. You are required to consult with a consumer credit counselling agency prior to filing bankruptcy.
    Answer Applies to: Florida
    Replied: 6/25/2012
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