Are You Eligible to File for Bankruptcy?
Are you interested in filing for bankruptcy but are unsure who is eligible to file for bankruptcy? Are you struggling with debt and debt payments, but suspect you make too much money to qualify for debt relief through bankruptcy?
At the Cincinnati, Ohio, bankruptcy law firm of Minnillo & Jenkins, we will explain the bankruptcy eligibility requirements at no cost to you during a free initial consultation. We will review your unique circumstances and provide honest guidance concerning all of your bankruptcy and non-bankruptcy debt-relief options. Our attorney team has practiced bankruptcy law in the Cincinnati area since 1996 and has the knowledge and experience to answer your questions and provide comprehensive bankruptcy law legal services.
Who Is Eligible to File for Bankruptcy?
Since 2005, the Bankruptcy Code has used a “means test” to determine whether a person will qualify to file a Chapter 7 bankruptcy. The vast majority of individuals who would have been eligible before the changes remain eligible now. For those who have a regular income and do not qualify under the means test for Chapter 7, Chapter 13 bankruptcy is often an effective tool to regain financial health.
We can review your income, allowable expenses and determine if you are able to file under Chapter 7. Even if the means test disqualifies you from Chapter 7, we have found that we are still able to find debt solutions for people who have the desire and the need for bankruptcy relief.
Rules for Filing a Second Bankruptcy Petition
A prior bankruptcy petition can make you ineligible to file for a period of time. Generally, an individual is ineligible to file a new petition if he or she has received a discharge under Chapter 7 within the past eight years, as measured from the date that the previous petition was filed. Dismissal of a bankruptcy petition within the past 180 days will also bar a new filing until the appropriate amount of time has passed.
Get Started on Moving Toward a Debt-Free Future With One Phone Call
For information about who is eligible to file for bankruptcy, contact the Cincinnati, Ohio, law firm of Minnillo & Jenkins. We provide free initial consultations and charge affordable, competitive rates and have offices in Cincinnati, Fairfield and Covington. To arrange your confidential consultation with one of our bankruptcy lawyers, call +1-513-723-1600 or contact us online. Evening and weekend appointments are available by request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.