Ok. So my significant other is over her head and doesn’t make enough to pay her debts. Her income is less than half the median income here. A sample means test shows she easily and completely qualifies.

My question is this. She is going to have a hard time coming up with the attorney fees associated with filing (around here it seems to be 800-1500 bucks). I am curious how hard is it to file by yourself or if there is an alternative like a Pro Bono attorney option or discounts for low income persons.
EDIT: Her debt amount is roughly 30k. That is with medical bills WITHOUT college loans. Her monthly income is about 1200 bucks. Her monthly bills are more than that. That does not include food or gas. I am not looking for a moral lecture. She is doing this. I am trying to help her through it. She has exhausted all other options.

Technorati Tags: 30k, attorney fees, college loans, debts, hard time, income persons, means test, median income, medical bills, pro bono attorney

My husband and I realize the only way out is Chapter 7. We have struggled to pay off our debt, but due to circumstances we just got more and more behind on necessities for our family of 4, not to mention my husband also has a son he pays child support on. We are well below the median income level for our family size and desperately need our tax return to get caught up on needs for our family and home (clothes, car repairs, minor home repairs etc,) and also ensure we don’t get behind again in case of an emergency (like pay an extra 2 months worth of rent or pay extra on utilities etc.) We aren’t trying to cheat or lie about our tax return when we file bankruptcy, nor are we planning on using it for anything other then needs of our family with the exception of maybe a couple hundred to take our kids to a large aquarium they have been dying to go to. We will likely get our tax return at the end of next month and wonder how long we should wait if possible to file for Chapter 7? We are speaking with an attorney, but this isn’t exactly something they will tell you about and so forth. We are in California.
Oh, we know about counseling, but we very much doubt they would NOT think we don’t have to file, more like they will wonder why we waited this long.

Technorati Tags: aquarium, bankruptcy, car repairs, chapter 7, child support, circumstances, counseling, couple hundred, doubt, home clothes, median income, minor home repairs, necessities, tax return

I am confused about how the means test works for a chapter 7 bankruptcy. I make more than the median income in my area, however my debts are pretty large. My last 6 month’s income was about 29K, but my fixed monthly debts are around 4K. That is before food, gas, and all the other random expenses. In the past, I was making well above and beyond my monthly liabilities…but that number has gone down significantly due to circumstances out of my control. I am looking to file chapter 7 bankruptcy and have not been able to find helpful answers online so far. I am out of money and not able to pay my bills. Any help would be much appreciated!!!

Technorati Tags: chapter 7 bankruptcy, circumstances, debts, liabilities, means test, median income, money, test works

I am filing Chapter 7. My personal account does not show much activity. My business account shows sales of roughly 20,000 monthly however when I pay off the company that finances my inventory ( I do not own my inventory) It shows a profit of around 00 per month. Even though my profit is below the median income, will the large deposits arouse suspision on the part of the court. The large deposits are followed by large payments to that company that owns my inventory.

Technorati Tags: business account, filing chapter 7, median income, personal account

I am contemplating a Chapter 7. I thought if your income was less than the median income for your region, you qualify without having to divulge monthly expenses to see if you have any money leftover for creditors. So, is this true?

Technorati Tags: chapter 7, creditors, median income, money, monthly expenses

I am filing Chapter 7. My personal account does not show much activity. My business account shows sales of roughly 20,000 monthly however when I pay off the company that finances my inventory ( I do not own my inventory) It shows a profit of around 00 per month. Even though my profit is below the median income, will the large deposits arouse suspision on the part of the court. The large deposits are followed by large payments to that company that owns my inventory.

Technorati Tags: business account, filing chapter 7, median income, personal account

I make more than the median income for my state. How difficult is it to pass the means test to be eligible to file for Chapter 7 Bankruptcy?

Technorati Tags: chapter 7 bankruptcy, means test, median income