Chapter 7 Means Test


Generally, there is one roadblock that stands between debtors and their Chapter 7 discharge: qualifying through the Georgia Chapter 7 Means Test. The most common chapter of bankruptcy filed by debtors is Chapter 7. Chapter 7, outside of certain specific situations, is the more desirable of two types of personal bankruptcy. It is more desirable than the other chapter, Chapter 13, for numerous reasons. First, it is significantly cheaper. Chapter 13 normally requires a monthly payment plan that extends three to five years. The fees for Chapter 13 are much higher than those for Chapter 7. The timeline in a Chapter 7 is significantly quicker, as a standard Chapter 7 closes after three to four months. Chapter 7 rarely stays open longer than a year or two, and that is only in situations where the trustee has collected money. As a result, most potential filers of bankruptcy are seeking to file a Chapter 7.

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