New to Chapter 7 BK

[RagnarDJ]

Welcome! And it is not true that if you are over the median income you CANNOT file Chapter 7. You can, if you meet certain requirements, often called the "means test"

[justbroke]

bmoon... Welcome to BKForum!

[Backagain]

Then, the next step is to start reading everything on the topic. Start with nolo press.
if it starts to look too complicated, go get a consult with a bk attorney….it should be free.

the first thing you need to know is if your income puts you over or under the line. Over, and you cannot file chapter 7.

when I first came to realize that bk was my only choice left, I spent 2-3 months educating myself. The attorney that I talked with wanted to push me into chapter 13… but, I already understood that I could go chapter 7

next, I had to figure out if I could keep important assets…could I exempt them.

take some time to learn and get one or more free attorney consults

[bmoon529]

Never thought I would need to do this, but I think Chapter 7 BK is what i need for a fresh start.