{"id":1865,"date":"2011-03-10T09:49:30","date_gmt":"2011-03-10T14:49:30","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=1865"},"modified":"2018-11-27T05:37:29","modified_gmt":"2018-11-27T05:37:29","slug":"brooklyn-bankruptcy-lawyers","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/brooklyn-bankruptcy-lawyers\/","title":{"rendered":"Bankruptcy 7: Who can’t file for Chapter 7 bankruptcy in New York?"},"content":{"rendered":"

Brooklyn bankruptcy lawyers can help you file for bankruptcy in New York.\u00a0 But not everyone is eligible for Chapter 7\u00a0 under the 2005 bankruptcy laws.\u00a0 An experienced New York Chapter 7 bankruptcy attorney<\/a> is therefore extremely important in helping you figure out if you are eligible for Chapter 7.<\/p>\n

Who can’t file for Chapter 7?<\/strong><\/span><\/p>\n

A good question for a New York Chapter 7 bankruptcy attorney….<\/p>\n

1.\u00a0 Debtors whose current monthly income in New York is too high.\u00a0 If your “CMI” is above the median income for New York, then you are subject to the “means test.”\u00a0 If you do not meet the standards of the means test, then a debtor is presumed ineligible to file for Chapter 7.\u00a0 An experienced New York bankruptcy attorney is crucial for this step in the process to help you figure out what needs to be counted toward your CMI and what you don’t have to count.\u00a0 Also, how your assets are structured can have a positive or negative impact on your CMI.\u00a0 Additionally, there are legal ways that you can plan ahead with the help of experienced counsel to make sure that you get the full benefit of the bankruptcy law’s protections.<\/p>\n

2.\u00a0 Debtors who can re-pay some of their debts within five years.\u00a0 If you can, then you may not be eligible for Chapter 7.\u00a0 Again, the devil is in the details.\u00a0 And this is where thorough analysis with a good New York bankruptcy attorney can potentially save you significant money in your case.<\/p>\n

3.\u00a0 Chapter 7 debtors who have received a discharge within the past 8 years.\u00a0 If you have received a discharge in the past 8 years, then you must wait until the 8 year period has passed from the date of the discharge before you can file again for bankruptcy. 7 has increased restrictions that stem from the 2005 bankruptcy law and that are important to be aware of.<\/p>\n

4.\u00a0 Bankruptcy filers who have had their case dismissed within the last 180 days if, following the filing of a Chapter 13 case, the prior case was dismissed for willful failure to obey a court order or appear in front of court or the debtor requested and obtained a voluntary dismissal after a lift stay motion was filed.<\/p>\n

5.\u00a0 Debtors who “cheated” their creditors.\u00a0 Cheating can include things like concealing assets, transferring assets to your relatives or friends to hide them from the bankruptcy court or creditors, running up big credit card or other debts right before you file, having lied about your income or debt on a credit application, having hidden assets from a spouse during a divorce proceeding and\/or lying about anything in your bankruptcy filing.\u00a0 What constitutes “cheating” can be a complicated issue and should be discussed with experienced counsel ahead of time.<\/p>\n

If you have any questions about whether you can file for Chapter 7 bankruptcy attorney Brooklyn NY<\/a>\u00a0or are seeking experienced Brooklyn bankruptcy lawyers to help you with your situation, please feel free to contact<\/a> attorney Bruce Weiner for a free initial consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"

Brooklyn bankruptcy lawyers can help you file for bankruptcy in New York.\u00a0 But not everyone is eligible for Chapter 7\u00a0 under the 2005 bankruptcy laws.\u00a0 An experienced New York Chapter 7 bankruptcy attorney is therefore extremely important in helping you figure out if you are eligible for Chapter 7. Who can’t file for Chapter 7? …<\/p>\n

Bankruptcy 7: Who can’t file for Chapter 7 bankruptcy in New York?<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,22],"tags":[2,21,30,32,54,35],"acf":[],"yoast_head":"\nBankruptcy 7: Who can't file for Chapter 7 bankruptcy in New York?<\/title>\n<meta name=\"description\" content=\"Brooklyn bankruptcy lawyers can help you file for 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