Do I Qualify for Chapter 7 Bankruptcy in Memphis?

Qualifications for bankruptcy vary state-to-state and district-to-district. Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), qualifying for Chapter 7 bankruptcy in Memphis requires you make below the average income for your district.

In Shelby County and the Memphis area, courts determine this number based in part on census data, the number of people in your household, and how much money you make. Benefits like Social Security also usually factor in.

Keep in mind that these numbers can vary and that, even if you make more than the median income, it does not mean you will not qualify for bankruptcy. Many other details can affect your qualification, such as marital status, the number of cars and other assets you own, exemptions for military service, and other information unique to your specific case. Courts also usually take into account the last six months of your records, which can show a very different picture depending on your situation.

If you're behind on payments and can't catch up, or in danger of losing property, or under so much stress financially that you can't function normally, you should contact us online or give us a call at (901) 327-2100. Our bankruptcy attorneys in Memphis know all the specific rules for Tennessee, Shelby County, and the Memphis area.

Remember it costs nothing to talk to us and get a professional opinion on whether you qualify.

Posted by Darrell Castle at 10:37 AM
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