That’s the big question these days. People call up and ask “Can I file bankruptcy?” The questions really should be, “Do I qualify to file Chapter 7 bankruptcy?” And over the phone, without knowing all the facts surrounding your situation, it’s not always easy to answer that.
Since the BAPCPA and new bankruptcy laws, more and more people have to pay back some of their debt, and Chapter 7 bankruptcy is harder to get into for some people. Are you one of those people?
Because of the Means Test based on US Trustee median income family numbers, we attorneys need to understand many factors and variables about you. Your income. Your income lately. Your household size. Dependents. What are your expenses? What are your secured loans? How much do you pay on each of these? And so on.
Sure, an unethical lawyer could tell everyone over the phone a resounding “YES!” However, wouldn’t you rather have someone spend time to learn about you and give you specific advice rather than bait-and-switch you? Spend time with a lawyer you are comfortable with, give the attorney all the info they want, and then sit back and let them analyze your situation. It’s not a fast or easy process (for some people, at least) but at least you’ll know where things stand.
So, contact a friendly and helpful bankruptcy lawyer, and spend the time giving them information about. The more you give, the more you get. And hopefully you’ll be filing Chapter 7 and getting a fresh start soon.
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