Eliminate Much of Your Debt With Chapter 7 Bankruptcy
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Overwhelmed by debt? Are you constantly being harassed by creditors and feel like your situation is helpless? Whether you are dealing with staggering credit card bills, a divorce, the loss of your business, or another financial issue, bankruptcy may be the option for alleviating your debt load and getting you on the path toward a fresh start.

To get started, you must undergo a means test. This evaluates your household income to determine if it is at, below, or over the median income of people in the same size household, within your state. If your household income falls below the median income, and your assets do not exceed what the court has determined to be reasonable, you will qualify to file a chapter 7 bankruptcy.

Even if your household income is over the median income, you may still qualify to file a chapter 7 if your allowed deductions and secured debt are enough to eliminate the income that exceeds the median income.

If, after careful analysis, you simply do not qualify to file a chapter 7 bankruptcy, you still have the option of filing a chapter 13 bankruptcy. Visit Imblum Law Offices today!

Debts Not Eligible for General Discharge

Student loans (in most situations)
Alimony and child support
Fines, penalties, and restitution payments related to criminal convictions
Items listed inaccurately on your bankruptcy paperwork
Retribution costs associated with conviction of operating motor vehicle or machinery while under the influence of drugs and / or alcohol
Debt obtained through theft, illegal means, fraud, breach of contract, intentional injury, and more

FREE telephone consultation available to discuss your financial situation and determine your best option going forward!

Trust our over 30 years of experience to guide you through your bankruptcy needs.