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Do You Offer Payment Plans?

Yes we do. So there are basically two ways to pay your fees. You can either pay the fees up front, or do the payment plan option. If you choose to pay the fees up front, this means obviously, that we do not file your case until you have paid all of the fees. However, this is the best option if you can afford to [...]

By |June 1st, 2017|Categories: Chapter 7 Bankruptcy, General Bankruptcy|0 Comments

What Is The Difference Between Chapter 7, 13 and 11?

Most of our cases are chapter 7 cases where you pay nothing back. A chapter 7 is very fast as it is typically completed in 90 days, and it is the least expensive option. So at this point you’re probably thinking, “well this sounds perfect; that is exactly what I want.” Normally, this is the best option for people. The primary reason that people will file [...]

By |June 1st, 2017|Categories: Uncategorized|0 Comments

What is the “Means Test”?

If your income is under median, then you are automatically eligible for chapter 7 based on your income. However, if your income is over median, then it gets a little more complicated. We must satisfy a formula called “the means test.” The means test is a somewhat complicated form, very similar to a tax return, where we input your gross income and take several types [...]

By |June 1st, 2017|Categories: Uncategorized|0 Comments

What is the “Median Income”?

Median income is a benchmark in bankruptcy, which can determine whether or not you qualify for chapter 7 bankruptcy. Chapter 7 bankruptcy is the chapter where your debts are wiped out. if your income is under the median income for your household size, then you are automatically eligible for chapter 7 from an income standpoint. However, if your income is over median, then more analysis [...]