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Tag Archives: Chapter 7

Student Loans And Chapter 7 Bankruptcy

Given Congress’ position that student loans are to be repaid absent exceptional circumstances, courts hardly ever allow student loans to be discharged. However, if you file for Chapter 7 bankruptcy and can demonstrate that an exception applies, the debt may be dischargeable. To determine whether your current situation falls under an exception, consult a well-versed […]

Filing For Chapter 7 Bankruptcy?

When you file for a Chapter 7 bankruptcy, you may erase your debts and move on to a better future.  However, the Code provides timing restraints in regards to prior discharges and dismissals, production of documents, and completion of an approved personal financial management course. A highly qualified consumer bankruptcy attorney can offer clients direction […]

Completing The Means Test

The means test is mandatory if your currently monthly income (CMI) is greater than your state’s median income for a similar size household. The means test assesses your deductions and expenses against your CMI to determine whether any income can be gleaned for a Chapter 13 bankruptcy plan to be sought, as opposed to a […]

How Do I Choose Between Chapter 7 and Chapter 13 Bankruptcy Filing?

Before making a decision about the right form of bankruptcy for you, it is essential to clearly understand the the differences between Chapter 7 vs. Chapter 13 bankruptcy. While both forms of bankruptcy apply to consumer debt, the purposes, processes and rules that apply to them vary significantly. The discussion of the bankruptcy process provided […]


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