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Are you eligible to file for Chapter 7 bankruptcy?
In 2005 Congress changed bankruptcy law to restrict who can file for Chapter 7 bankruptcy. The result was the often-talked about means test. The means test determines if you can realistically pay back some of your debt through a Chapter 13 repayment plan. If you can (that is, if you flunk the means test), you cannot file for Chapter 7 bankruptcy.
In addition to the means test, there are other eligibility rules for Chapter 7 bankruptcy. Here’s where you can find the answers to these and other bankruptcy eligibility questions.