Before a person can qualify for bankruptcy, he or she must take a "means test" to determine his or her eligibility. Most clients who come to our firm are unfamiliar with the means test and are unsure what it is or how it works. Many are concerned that it will prevent them from qualifying for bankruptcy.

I have helped Georgia residents resolve their financial concerns since 1999. Since establishing my firm, Marcus A. Rosin, P.C., I have gained the knowledge and experience to guide individuals successfully through the entire bankruptcy process, beginning with working through the complicated means test. You and I will sit down to carefully analyze your financial situation before we determine what bankruptcy option is best for you and your family.

Contact my Georgia bankruptcy office online today, or call (678) 208-0339to schedule your free consultation. I look forward to helping you obtain the fresh financial start you need.

Dawson County Chapter 7 Bankruptcy Representation: What Is the Means Test?

Any person unfamiliar with bankruptcy law is probably confused about the means test and what purpose it serves. With my help, the means test will seem straightforward and you will be on your way to regaining control of your financial future. In simple terms, the means test was established to determine who is eligible to file for a Chapter 7 liquidation by analyzing a person's or family's:

• Monthly income — Determined by taking the average income earned over the previous six months
• Monthly expenses — Calculating total amount of monthly expenses such as mortgage payments, car payments and other necessary household expenditures
• Monthly disposable income — Calculated by taking the monthly income (as determined during the means test) and subtracting your monthly expenses

If your income or disposable income is within certain guidelines, you will be eligible to file for a Chapter 7 bankruptcy. High income or high disposable income individuals will not be eligible for Chapter 7, but we will discuss other options in these cases, such as creating a three- to five-year repayment plan under Chapter 13.

Contact My Georgia Bankruptcy Law Firm Online: Free Consultations

When you contact me to discuss your financial needs, I will help you understand the benefits bankruptcy can provide, as well as the purpose of the means test. Contact a Cumming debt relief law office online today to schedule your free initial consultation. You may also call my office at (678) 208-0339, to learn what to expect at each stage of the bankruptcy process.

We are a debt relief agency. We help people file for bankruptcy protection under the Bankruptcy Code.