Chapter 7 Bankruptcy Eligibility

Beginning October 17, 2005, under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, you must undergo a "means test" to qualify for Chapter 7 bankruptcy. If you earn less than the median income for a family of your size in your state, you can automatically file for Chapter 7 bankruptcy.

Under the new law, when you file for bankruptcy you must take a credit counseling course before filing, and financial management course after filing.  Both of these courses are relatively simple to take, and may be taken over the internet usually in under an hour.  The Law Office of Trunnell & Sellers will assist you in signing up for these classes and completing them.


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