Will New Laws Keep Me From Filing Chapter 7? 

The answer is no. What happened back in 2005, they called it BAPCPA. They made it a little bit harder to file a Chapter 7. They instituted what they call the means test. The means test is sort of a mechanical test; they look back six months as to what you’ve earned, then they use it to extrapolate what your annual income would be. If you’re over the median, then you may not be able to file Chapter 7. By hiring a bankruptcy attorney, we’re able to look at those numbers and see whether you qualify or not. If you don’t immediately qualify, we can take steps to see if maybe we can you into a Chapter 7 still, or – the world hasn’t ended – you can still file 13, and sometimes it’s almost as good as a Chapter 7. Yes, you still can file a Chapter 7.