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What is the means test?

By Florida Law Advisers, P.A. |

In 2005, Congress implemented the means test as a requirement for Chapter 7 bankruptcy. The means test requires Chapter 7 debtors to earn below a specified amount of income to be eligible.

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Do all debts get discharged?

By Florida Law Advisers, P.A. |

Most unsecured debts are discharged in Chapter 7. Unsecured debts are loans without collateral, such as credit cards and medical bills.

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Will I lose my home?

By Florida Law Advisers, P.A. |

Homestead property (primary residence) is an exempt (protected) asset in Chapter 7. Therefore, you may not have to forfeit your home as a condition of the bankruptcy.

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Can I keep my car?

By Florida Law Advisers, P.A. |

Bankruptcy law provides exemptions to help protect a car’s equity. You may also be able to reduce the balance owed without sacrificing the car or other assets.

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