Will I qualify for a chapter 7 bankruptcy? 17 Answers as of February 05, 2011

I have over $23,000 in debt and credit cards. I have no car payment and do not own a home. I make $2,200 per month. Will I qualify for Chapter 7 bankruptcy?

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Law Offices of Michael J. Berger
Law Offices of Michael J. Berger | Michael J. Berger
Yes, based on the information that you have given me. I need more information to fully diagnose your matter.
Answer Applies to: California
Replied: 2/5/2011
Stuart Jon Bierman  Attorney at Law
Stuart Jon Bierman Attorney at Law | Stuart Jon Bierman
Based on the above information, it looks like you would qualify but I would have to talk with you before I could have a more definite opinion. I would be glad to meet with you if you would like to do so.
Answer Applies to: New Jersey
Replied: 12/16/2010
William C. Gosnell, Attorney at Law
William C. Gosnell, Attorney at Law | William C. Gosnell
Probably not, if you have any disposable income then you should file a wage earner Chapter 13.
Answer Applies to: Tennessee
Replied: 12/16/2010
David R. Fondren, Attorney at Law
David R. Fondren, Attorney at Law | David R. Fondren
Difficult to say with so scant information about other property, use of credit cards, transfers of property, and many other issues that could arise. I spend a good 45 - 60 minutes in the initial consultation to spot issues and review options.
Answer Applies to: Missouri
Replied: 12/15/2010
DiManna Law Office, LLC.
DiManna Law Office, LLC. | Dawn DiManna
You should based on the information that you have provided.
Answer Applies to: New Hampshire
Replied: 12/13/2010
    Mankus & Marchan, LTD
    Mankus & Marchan, LTD | Tony Mankus
    It sounds like you would, but there are many other questions that need to be answered. You should consult with a bankruptcy attorney.
    Answer Applies to: Illinois
    Replied: 12/11/2010
    Law Offices of Lady Justice
    Law Offices of Lady Justice | Mona Patel
    There is no fast answer to this question. I would have to analyze what other expenses you have. Typically if a person does not qualify for a Chapter 7, they can qualify for a Chapter 13. Generally, the more debt and expenses you have and the less income you make, the more chances you can
    file a Chapter 7.

    If you have a feeling you are drowning with a debt of $23,000, give us a call and we can access what your options are.
    Answer Applies to: California
    Replied: 12/10/2010
    The Shakoori Law Group
    The Shakoori Law Group | Rachelle Shakoori
    An attorney would need to know much more to be able to give you a thorough response but there is a good chance you do.
    Answer Applies to: California
    Replied: 12/10/2010
    Royzman Law Firm
    Royzman Law Firm | Natella Royzman
    Assuming that you are not married and do not have any other sources of income, your income falls below the designated California median, so you would satisfy the "means test" for Chapter 7. Although you are likely eligible for Chapter 7, there are many things to consider in determining whether bankruptcy is the best choice for you at this time. You should go over the details of your entire financial situation with a bankruptcy attorney.
    Answer Applies to: California
    Replied: 12/10/2010
    The Law Office of Mark J. Markus
    The Law Office of Mark J. Markus | Mark Markus
    Probably, but there are many factors to consider and you need to have a consultation with a bankruptcy attorney to be sure.
    Answer Applies to: California
    Replied: 12/10/2010
    Steven D. Keist, Attorney at Law
    Steven D. Keist, Attorney at Law | Steven D. Keist
    If this figure is gross and not net then technically yes as long as there

    is no spouse who is not filing jointly with you. If you have a spouse who

    is not filing for one reason or another, his or her income has to be included in the

    income schedule and figured into the means test.
    Answer Applies to: Arizona
    Replied: 12/10/2010
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    Basedon this information, you should qualify.
    Answer Applies to: California
    Replied: 12/10/2010
    The Law Office of Brian Nomi
    The Law Office of Brian Nomi | Brian H. Nomi
    Having done a lot of these, I can pretty much assure you you'd qualify for a Chapter 7 bankruptcy.
    Answer Applies to: California
    Replied: 12/10/2010
    Law Office of L. Paul Zahn
    Law Office of L. Paul Zahn | Paul Zahn
    I would need additional information, but you may well qualify. I would be happy to run a means test for you and discuss representation with you. Please feel free to contact me at your earliest convenience.
    Answer Applies to: California
    Replied: 12/10/2010
    Greifendorff Law Offices, PC
    Greifendorff Law Offices, PC | Christine Wilton
    The answer depends on how many people live in your household. The means test is the qualifying test for Chapter 7 and looks at the income and the number of people in the household.
    Answer Applies to: California
    Replied: 12/10/2010
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