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What Is a Chapter 7 Bankruptcy Means Test? Integrity & Commitment To Client Service

What Is a Chapter 7 Bankruptcy Means Test?

Roseville Chapter 7 Bankruptcy Lawyers

Under the October 2005 changes to the bankruptcy law, those filing for Chapter 7 bankruptcy must fill out a Bankruptcy Means Test form (Form 22A for Chapter 7). To fully understand the bankruptcy means test, talk to a lawyer before you fill out the form. Contact Cecil Cianci Law, PC, in Roseville, California, to receive assistance filing for bankruptcy.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

What Is a Chapter 7 Means Test?

The bankruptcy Means Test determines your eligibility to file.

The purpose of the bankruptcy Means Test is to determine whether you have the means to pay your debts. If your monthly income falls below the median for California, you will automatically qualify for Chapter 7 bankruptcy. If you have questions about the Means Test, ask an experienced bankruptcy attorney for legal advice.

Can I File for Chapter 7 if I’m Above the Median Income?

If your income is above the median for California, you may still qualify if your expenses are beyond your ability to pay in a reasonable time. Speak to a bankruptcy professional at Cecil Cianci Law, PC, in Roseville, California, to determine your eligibility. Many attorneys do not understand the Means Test—if you have been told you do not qualify, call our office for a free bankruptcy consultation to verify whether you pass the test. In many cases, clients pass the test after inexperienced attorneys have told them that they do not qualify.

Contact an attorney about your eligibility for Chapter 7. With Cecil Cianci Law, PC, your first bankruptcy consultation is free. Our Roseville bankruptcy lawyers can help you understand the bankruptcy process in detail, so you know what to expect as you embark on the path toward financial freedom. Contact us online or via phone at (916) 675-3866 to learn more.

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

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  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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