Chapter 7 Bankruptcy

  • expertise in means test will give you the best chance of qualifying for chapter 7 based on the means test

I help more of my clients qualify for chapter 7 because of my expertise with the means test, which can allow clients to discharge debts quickly without the need for long term chapter 13 repayment plans. The income and expense calculation of the means test is what determines if your income qualifies you for chapter 7 or chapter 13. Many clients come to me after being told by several other attorneys that they only qualify for chapter 13 debt repayment plans because the means test shows that their income is too high. But after I run a means test calculation with all of the advanced and lesser-known expense deductions based on the most up-to-date case law, many of the clients actually do qualify for chapter 7, which under many circumstances is far cheaper and faster than chapter 13, and allows the discharge of debts without five year payment plans in chapter 13. Doing the means test correctly, using all available exemptions, results in saving clients tens of thousands of dollars or more in bankruptcy.

My chapter 7 clients get the best results because of my expertise in asset protection and exemption planning. One of the most common problems that chapter 7 clients face is making sure all assets are identified and properly protected. If assets are not listed, or not protected with the correct statute, they may be subject to being taken by the trustee and sold to pay creditors.

Often clients come to me to fix their chapter 7 case when the trustee is coming after them to take assets that were not listed on the schedules because either the client was never asked the right questions to identify all assets, or didn't have the proper exemption statute applied. It takes a lot of extra work to fix these problems that can be avoided from the beginning by skilled and knowledgeable legal counsel.

Exemptions are the sets of laws used to protect your assets in bankruptcy. The exemptions are complex, and there are two sets of them. It is important to choose the correct exemptions for each of your assets and properties. Choosing the wrong one for a specific asset can lead to the trustee taking that asset.

  • If you are not sure if you qualify for chapter 7 because your income might be too high, call me.
  • If you have unique assets or items that are difficult to value, such as ownership in a business venture, heirlooms, property in a foreign country, stocks or bonds, or lawsuits against third parties, then call me for a consultation.
  • If a trustee is coming after you for assets, call me.


The first step to finding out if you have a case is to contact us. You're one click away from getting a free consultation that will help you understand the legal ramifications of your situation. Fill out this form, or call me for a free consultation today.