Marine View Law & Escrow

Bankruptcy Eligibility And Means Test Information

The bankruptcy "means test" determines whether an individual is eligible to file for Chapter 7 liquidation bankruptcy.

Since changes were made in federal bankruptcy law in 2005, the means test has been used to screen individuals who may be able to pay back a portion of their debts. This test considers gross income over the six months before filing and other factors.

In greater Seattle, King County and throughout the Puget Sound area, the Washington lawyer you can depend on for solid advice, comforting guidance and one-on-one personal service for your Chapter 7 bankruptcy is me, Renee Roman, at Marine View Law & Escrow, P.L.L.C.

I listen carefully as you describe what you want to accomplish with your bankruptcy filing. Whether you were the victim of predatory lending, an unemployment statistic from the national recession or simply lived beyond your means, I am not here to judge you. I am here to help you.

Though most people who want to file for Chapter 7 can still file, those who cannot may be eligible to file for Chapter 13 reorganization bankruptcy. Unlike Chapter 7 bankruptcy, which liquidates debt, Chapter 13 bankruptcy puts debtors on a payment plan to repay a portion or entirety of all debts.

Contact me to arrange your confidential initial consultation and find out which debt relief method best fits your unique situation.

'Do I Qualify For Chapter 7?' I Will Tell You.

Deciding to file for bankruptcy may be the most difficult, and most beneficial, financial decision you will ever make. After all, many of today's major business success stories began with a bankruptcy filing.

When you file for bankruptcy, a court-ordered automatic stay goes into effect, immediately stopping all collection attempts, including foreclosures, repossessions, wage garnishments and creditor harassment. All contact with your creditors is made through my Des Moines, Washington, bankruptcy law office. They can no longer contact you to collect a debt.

When your Chapter 7 or Chapter 13 bankruptcy is discharged, you can begin to rebuild your financial livelihood, repair your credit, become attractive to lenders and enjoy the "fresh start" you sought when you initiated your consumer bankruptcy.

I offer comprehensive representation, taking over all legal matters related to your bankruptcy filing so that you do not have to worry about them. I assist you throughout the bankruptcy legal process, from initial filing to final resolution of your case.

Your initial consultation with me can be arranged at this toll-free number: 877-449-4819. You can also email me, and I will return your message promptly.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.