What’s Right for Me?

Is Chapter 7 Right for Me?

If you feel like you are overwhelmed by debt because you cannot afford your expenses, or if you are at risk of getting garnished due to a lawsuit, then filing for Chapter 7 bankruptcy might be in your best interest. Basically, you have to qualify to file Chapter 7. There is a “m​eans test,” a “liquidation test,​” and other items to consider before we can tell you that you qualify for Chapter 7. In general, Chapter 7 is only for those who have no other options (e.g. people who do not make enough money to pay back creditors, and who have nothing they can sell to pay back creditors with). When you come in for your free initial consultation, we will go over the risks and benefits of filing Chapter 7 in your specific situation.

For more about this, please see Passing the Income Side of the "Means Test" to Qualify for Chapter 7, Picking the Right State for the "Means Test," and The Truth about Qualifying for Chapter 7.

(Please check out our blog post called Your Assets and the Timing of Filing a Chapter 7 Case.)

Once we have a better idea of what we your filing, which we will attend with you. (See The Chapter 7 “Meeting of Creditors.”)are working with, we can file the required documentation on your behalf. As soon as the case has been filed, all creditor harassment and wage garnishment will be put to a stop. (See Summary about the Automatic Stay.) You can expect to attend a court hearing to go over.

Is Chapter 13 Right for Me?

Which Bankruptcy Chapter, Chapter 13 or Chapter 7, is your best option can be hard to determine unless you have spoken with a bankruptcy attorney who has gone over your financial situation. At Wasson & Thornhill, we can help determine if Chapter 13 will give you the financial relief you are looking for, and we can often determine an estimate of what your monthly payment will be at our first consultation.

(See our blog post How Do You Qualify for a Chapter 13 Case?)

Whether or not Chapter 13 bankruptcy would benefit you depends on your situation. You can often keep your house and keep your car – even if you are already behind and facing foreclosure or repossession! (See Ten Ways to Keep Your Kentucky or Indiana Home through Chapter 13.) Your debt payments (including past-­due mortgage and car payments) are generally rolled into one Chapter 13 payment that you can afford, and you make that payment for three to five years. (See What is a Chapter 13 Plan? and Sometimes Some Creditors Are Paid Nothing in Chapter 13.) We will help you with your budget so that you are set up for success, and if things change over the course of your Chapter 13, we can usually modify your payments while keeping you protected under the Bankruptcy Code. (See Walking Through a Simple Chapter 13 Case—Plan Modification.) Once the three to five years is over, what was not paid is discharged (wiped out). (See Discharge of Debts under Chapter 13.)

There are many reasons to file for Chapter 13 bankruptcy. If any of these categories describe you, your situation may be a fit for Chapter 13.

Find out what you can expect during bankruptcy.

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  • I just loved Ms. Wasson’s professionalism and timely response to everything! I feel relieved and ready to rebuild by financial status.

  • The moment I walked in the door I felt like I was talking with a friend. You really made me feel relaxed and that you genuinely cared about my best interest.

  • Andrea, you are absolutely amazing.  I love you!

  • They answered all my questions, they are very nice ladies, and very personable.  I will recommend you to all my friends!  Thank you all so much!

    -Michael H.

  • I am so glad I was sent to you all. You made this process simple and not scary. I appreciate your word[s] of encouragement.

  • You made me feel comfortable, without any judgment.  At first I was ashamed and embarrassed of my situation.  Now I fee relieved, and now I can start over.

  • At first I was scared. After meeting Leeann, I knew I was in the right place for help. Your firm is very professional and organized.

  • I can breath and I don’t have to worry about the next phone call or mail.  We can move on with life!

    Lisa and James

  • You were very good at listening to me about my personal situation.  You showed a real concern about me as a client and a person.  You made me feel very comfortable during the whole case.  Being very nervous, Andrea’s smile helped a lot.


  • Andrea was professional, friendly, and always prompt when calling back or answering an email.  Love her!

  • It feels good being debt free. The process was well organized and detailed with information. I intend to stay debt free!  Leeann made me feel comfortable and was compassionate about my situation. I was very impressed.

  • You all made me feel ok about what I was doing.  I was upset about it, and after speaking to you I felt so much better.  Everything was great and easy on me.  I did not feel like I was doing anything wrong.  I felt very welcome and comfortable.  A big weight has been lifted off my chest.


  • Leeann made the process easy and worry free.  She was so friendly and welcoming.  I feel really good about the bankruptcy process and my decision to file.

  • The legal assistant was very sweet and helpful.

  • I loved Andrea.  She’s laid back and put me at ease.  She’s so easy to talk to.  She is understanding and listens to you.

  • The legal assistant was very helpful and knowledgeable – always followed through.

  • I feel as if I have a new start. My life can start now without the financial burden. It was a very stress-free experience.

  • The most positive part of the experience for us is that we were treated like people who needed help, not like we were too lazy to pay our bills. Your kindness is much appreciated.

  • Andrea was fantastic!  Professional, down to Earth, and TRULY understood my concerns.  I would recommend Andrea to anyone needing assistance with bankruptcy!

  • When I first met Leeann she made me feel very comfortable.  She handled everything so quickly and kept me up to date with everything.  I was so nervous and she made me feel at ease.  [She] went above and beyond what she needed to do to help me.  I felt taken care of from start to finish.


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