Means Test

Chapter 7 Requires Limited Income And Assets

Chapter 7 means test can be very confusing without a knowledgable lawyer. Image of woman holding a calculator with a questioned look

New bankruptcy laws now require a debtor to prove the inability to pay debts before they can be completely discharged in a Chapter 7 bankruptcy. This means test evaluates income, assets, many important facts, and is confusing even for the well informed. If a debtor does not meet the Chapter 7 means test, a Chapter 13 reorganization bankruptcy may be necessary.


To learn if you meet the Chapter 7 means test requirements, contact us at 916/442-3111.

What Bankruptcy Can Do
  • Bill collector calls and letters stop. We deal with your creditors, not you.
  • Home foreclosure is halted. Stay in your house with the full protection of the federal court.
  • Garnishment from your paycheck sent to creditors is blocked. We may even get some of that money back.
  • Reposession of your car, truck, boat, or other property is stopped. Keep your property while we work out a plan.
  • Debt relief is immediate. Stop paying creditors until a repayment plan is approved.
  • Discharge your debt. All or part of your debts can be gone forever.
  • Fresh start without the heavy buden of old bills.