What Bankruptcy Chapter Can I File?Grand Rapids Bankruptcy Attorneys

Golden & Jernigan P.C. is a full service law firm specializing in family law, bankruptcy law, immigration law, and social security law in the Greater Grand Rapids and West Michigan areas.

In theory, anyone can file bankruptcy; however, those filing bankruptcy may only qualify to file certain chapters. In 2005, Congress passed the Bankruptcy Reform Act of 2005, instituting the process called means testing. The purpose of the legislation was to force individuals with high incomes to file for Chapter 13 protection, rather than Chapter 7.

To determine which chapter your situation qualifies for, an examination of your income is undertaken utilizing the means testing parameters.

Chapter 7 Bankruptcy Qualifications

To qualify for Chapter 7 bankruptcy, your income must be below the medium income line of the current year. If it is, you qualify for Chapter 7 protection.

If your income is above the median income, you may still be able to qualify for Chapter 7 bankruptcy protection. Under the means testing model, certain deductions, based on the number of people in the household, may be taken for housing, food, clothing, etc. If these deductions place you under the median income, you will also qualify for Chapter 7 protection.

Chapter 13 Bankruptcy Qualifications

If after deductions, you do not qualify for Chapter 7 protection, you will automatically qualify for Chapter 13 relief.

Request a Consultation

The means testing model is a constantly evolving method. Median income levels adjust twice per year. To determine what bankruptcy filing you qualify for, we invite you to contact our office to discuss your case and unique situation.

Finding the right attorney is one of the most important decisions you will make during your bankruptcy proceedings. With Golden & Jernigan P.C., expect immediate answers to all of your bankruptcy law questions, aggressive representation, and timely settlements.

If you are involved in a bankruptcy case, an expert bankruptcy attorney is not an option, it is a necessity! We invite you to contact us today at 616.866.3350 to schedule a consultation to discuss your case. Our experienced and knowledgeable bankruptcy lawyers are here to assist anywhere in the Greater Grand Rapids area.


Proudly Serving All of Kent County Including Grand Rapids, Rockford, Ada, Cascade, Kentwood, Wyoming, & More

Rockford Office

50 Courtland Drive

Rockford, MI 49341

Phone: 616.866.3350

Fax: 616.866.3397

Grand Rapids Office

50 44th ST SW

Grand Rapids, MI 49548

Phone: 616.538.5510

Fax: 616.538.6871

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