What is a means test?
A "means test" in a bankruptcy proceeding is one of the factors used to determine whether an individual debtor is eligible to file for bankruptcy under Chapter … more

How have bankruptcy laws recently changed?
With a record number of bankruptcies in America on file, Congress has taken action to hold more people accountable for running up debts that they simply cannot pay. In general, the changes in the law may make it much harder for some people file bankruptcy, may make some people ineligible to file Chapter 7 bankruptcy at all, and may take more of your income to repay your debts in a Chapter … more
Will filing for bankruptcy stop the bill collectors?
One of the most difficult aspects of owing debts that you cannot pay is dealing with your creditors, or the collection agencies that work for those creditors. Bill collectors often seem to stop at nothing to collect money from you, even if it means threatening you or not being truthful about the consequences of not paying off your debt. As a result, people in this situation often … more

Voluntary Petition
Bankruptcy Basics
This publication by the Bankruptcy Judges Division of the US Courts provides information to debtors and creditors about the federal bankruptcy … more
Voluntary Petition - Page 2
Voluntary Petition - Exhibit "A"

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