Most people easily pass the means test based on their relatively low income. Timing plays a huge role in calculating your income.
Your domicile, and sometimes your residence, determines whether you can file bankruptcy, where to file, and what property you keep.
These two requirements are quite straightforward to accomplish, but can trip you up if you don’t take care of them when you need to.
When is it moral to break your promises to pay your debts?
As of April 1, 2016 you can have a little more debt and still qualify for a Chapter 13 “adjustment of debts”
Bankruptcy can bring you financial peace. And in that process you will likely be treated with respect and good will.
Yes, you can usually file bankruptcy in the United States regardless of your citizenship status.
“Credit counseling” is not really counseling. It’s not difficult, but a necessity before you can file a bankruptcy case.
As of April 1, you can owe more debt and still qualify for Chapter 13.