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Compare Chapter 7 to Chapter 13, Easy To Read Bankruptcy Chart.

Is Chapter 13 a Better Option Than Chapter 7?  Do You Qualify for Chapter 7?

My bankruptcy law office is a short drive from 17 cities within 15 miles of my office. There is NO need to go downtown San Diego for a Bankruptcy attorney.

Call for a Free  Bankruptcy Consultation

For Debt Relief,  (619) 447-6780  for A Fresh Start!

Bankruptcy Charts  Compare  Chapter 13 or Chapter 7

Is Chapter 13 a Better Option or Chapter 7? Chapter 7 Means Test.

 

What are the differences between  the debt relief  methods of bankruptcy?  Should You File Chapter 13 or Chapter 7.  Debt Relief  Ca.

Comparing Eligibility Requirements for Chapter 7 and Chapter 13

During our pre-bankruptcy review we will run the numbers both way.

Your Situation:

Chapter 7:

Chapter 13:

Debts not primarily consumer debts

Not subject to Means Test

Makes no difference whether debts are consumer debts.

Debts primarily consumer debts

Must compare income to state medians to determine whether Means Test applies.

Makes no difference whether debts are consumer debts.

Income at or below local median

Eligible regardless of how much owed or the amount of expenses.

Eligible for three-year plan with payments determined by actual expenses rather than IRS guidelines.

Income above local median

To see if you can pay a significant amount of debts, you are subject to Means Test.

Chapter 13 plan must be for five years with expenses determined by IRS collection standards.

Amount of Debt Owed

Amount of unsecured debt may determine eligibility for those subject to Means Test.

If your income is less than $100, [after expenses], no matter how much you owe, you pass the Means Test.  If your surplus income is $167 per month or more, regardless of how much you how, you DO NOT pass the Means Test.  However, if your surplus income is between $100 and $167, and if your debts are so high that your surplus income would not be enough to pay 25% over five years, you pass the test.

Maximum secured debt limit of $1,010,650.00 and unsecured debt limit of $336,900. 00.

There is no minimum debt requirement.

 

Previous Chapter 7 or Chapter 13 discharge

If Chapter 7 is filed less than eight years after filing or prior case unless the discharge was a Chapter 13 discharge and creditors in that case were paid at least 70%, then you are not eligible for discharging a Chapter 7.

Not eligible for Chapter 13 discharge in current case if debtor received a discharge in a prior case filed under Chapter 7, 11, or 12 within 4 years, or a prior Chapter 13 cased filed within two years of current case.

Effect of non-dischargeable taxes, child support, alimony, or liability for personal injuries arising from drunk driving or boating.

Does not affect eligibility to discharge other debts.  Owing these types of debts make it easier to pass the Means Test.

It may indirectly affect eligibility because plan must provide that these obligations be paid in full over a period of no longer than five years.

Whether you need relief from garnishments, liens, foreclosures, credit card debts, medical bills or the constant harassment from your creditors, Bankruptcy laws can help you get a fresh financial start. Bankruptcy is complex and we are hear to guide you in the direction of financial health once again.  Please call for your free consultation!

El Cajon CA, Find out if Chapter 13 a Better Option or Chapter 7 for you.

Chapter 13 vs. Chapter 7

Whether you need relief from garnishments, liens, foreclosures, credit card debts, medical bills or the constant harassment from your creditors, Bankruptcy can help you get a fresh financial start. Please call for your free consultation!

Call (619) 447-6780 and learn about:  

How Bankruptcy Can Stop Creditors from Harassing You  

  How to Eliminate most OR all of your debts  

   What property you can keep after a Bankruptcy Filing

 Whether Chapter 7 liquidation or Chapter 13 is right for you.

Free phone consultation with Bankruptcy Attorney Casey.  

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

This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.

Should You File Chapter 13 or Chapter 7?  For Debt Relief Free Consultation. Compare Chapter 13 Better To Chapter 7. What Chapter Best For You?

Is Chapter 13 a Better Option or Chapter 7? Chapter 7 Means Test.

I will explain all of your bankruptcy options to you.

CALL TODAY (619) 447-6780

Compare Chapter 7 to Chapter 13, Easy To Read Bankruptcy Chart.

Is Chapter 7 a better option than Chapter 13. Do you qualify for Chapter 7 or Chapter 13. Bankruptcy chart comparing Chapter 7 to chapter 13 Bankruptcy.

When you come into my office I will explain to you the  difference between Chapter 13 and Chapter 7 bankruptcy. You get a free consultation with me, a bankruptcy attorney, serving the El Cajon and the entire San Diego County.    Call Attorney David A. Casey  at (619) 447-6780 to get your bankruptcy started ASAP.

 

Residents of El Cajon , your are just minutes away from getting your debt relief started.  My office is located next to two major freeways in El Cajon.  Just  minutes away. Let me explain your options to you including the benefits of chapter 7 or chapter 13 bankruptcy under the Bankruptcy Laws.

Free Consultation with a Chapter 7 Attorney  

There are 17 Cities within 15 miles of my office. El Cajon, CA

  • ALPINE, CA
  • BONITA, CA
  • CHULA VISTA, CA
  • DESCANSO, CA
  • DULZURA, CA
  • JAMUL, CA
  • El Cajon , CA
  • LAKESIDE, CA
  • LEMON GROVE, CA
  • LINCOLN ACRES, CA
  • NATIONAL CITY, CA
  • POTRERO, CA
  • POWAY, CA
  • RAMONA, CA
  • SAN DIEGO, CA
  • SANTEE, CA
  • SPRING VALLEY, CA

Area of Service: San Diego County, Alpine 91901 Bonita 91902  El Cajon 92019, El Cajon 92020, El Cajon 92021, El Cajon 92022, El Cajon 92090, La Mesa  91941, 91977, 92943, 91944.  Lakeside 92040  Lemon Grove 91945, 91946.  Ramona 92065,  Santee 92071.   Spring Valley 91976 92977 91978 91979 

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

Call for chapter 7 & 13, (619) 447-6780

  Talk to a Bankruptcy Attorney  and compare Chapter 13 to Chapter 7,  El Cajon CA.

 Call the Bankruptcy law office of David A. Casey today for Debt relief under the bankruptcy code.

Free Bankruptcy Consultation (619) 447-6780

 

My office is just minutes away for starting the process of become debt free again. Chapter 7 and Chapter 13  Bankruptcy laws are made to help you getting a fresh start.

Call the Bankruptcy law office of David A. Casey today for Debt relief under the bankruptcy code.

 

 Copyright ©2009 by Attorney David A. Casey

 

 Chapter 13 or Chapter 7. Do You Have Valuable Assets That Need Protecting?

What’s best? Chapter 13 or Chapter 7. Debt Relief Protection

El Cajon Chapter 13 | Bankruptcy Attorney | Chapter 13 Relief

Bankruptcy El Cajon,  For  Chapter 13 or Chapter 7 Bankruptcy.

Compare Chapter 13 Better To Chapter 7. What Chapter is Best For You?

Is Chapter 13 a Better Option or Chapter 7? Chapter 7 Means Test.

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