How do I know which chapter bankruptcy I need to file?

There are many factors that go into determining which chapter of bankruptcy is best including what kind of debts you have, what assets you have, whether you are behind on secured debts, and your current disposable income. In addition, there is also a set of caluclations known as the means test which may require some consumers to file Chapter 13 because their income exceeds the median income for a household of their size in their state.

Give us a call and we can speak with you about which chapter best suits your needs.