Many people search the question “is it hard to get bankruptcy approved?” when they feel stuck with heavy debt. It is normal to feel scared when you think about a bankruptcy filing or a bankruptcy case. The good news is that the process can be easier when you understand how bankruptcy works. When you know about bankruptcy basics and what the bankruptcy court checks before you get approved, you feel more in control.
We’ll explain everything so you can see how the process works. You will also see how a bankruptcy attorney can help you file bankruptcy or file for bankruptcy in a clear and organized way.
A bankruptcy filing begins with a bankruptcy petition. You give the court papers about your debt, your household income, your secured debt, your unsecured debt, and your assets. You must complete credit counseling from an approved credit counseling agency within 180 days before filing. Every person filing must do this before the case can move forward.
Many people worry and ask again, is it hard to get bankruptcy approved? The truth is that the bankruptcy trustee and the bankruptcy judge want honest and complete information. If you list all your debt and follow the rules, you are already close to getting approved.
When you file a bankruptcy case, you need to use official bankruptcy forms. These forms follow the bankruptcy code and federal bankruptcy law. You must show your monthly income, your debt payments, any prior bankruptcy, and anything else that helps the court understand your money situation. It may look like a lot of work, but most people can do it with guidance.
Chapter 7 bankruptcy is one type of bankruptcy. Many people call it liquidation bankruptcy. It can help erase many types of unsecured debt. This includes credit card debt and medical bills. Some people wonder whether they can file for Chapter 7 bankruptcy. Others ask if they will pass the means test.
To qualify for Chapter 7, you start by comparing your monthly income to the median income in your state. If your household income is lower, you usually qualify for Chapter 7. If it is higher, you may still qualify after the means test. Many people think, is it hard to get bankruptcy approved under Chapter 7. When your numbers fit the rules, it is not hard.
A Chapter 7 case must follow all bankruptcy rules. You must include all debts in a Chapter 7 petition. You must file a Chapter 7 with correct papers and details. You must also understand that you cannot file under Chapter 7 if you already had a case under Chapter 7 too recently. There are years for Chapter 7 that you must wait after a discharge in bankruptcy.
The bankruptcy process feels easier when you have a qualified bankruptcy attorney or a qualified team that checks your papers. When everything is clear, you have a strong chance to get approved for Chapter 7.
Some people cannot file under Chapter 7. They may have high income. They may have secured debt that they want to protect. They may need more time to pay debt. This is when Chapter 13 bankruptcies can help.
A Chapter 13 case uses a Chapter 13 plan. The plan helps the debtor pay debt over three to five years. The court checks if you can make steady payments. You must also follow debt limits to qualify for Chapter 13. If the plan is fair and fits the bankruptcy code, you can get approved for Chapter 13.
People often ask if Chapter 13 is harder. They wonder again, is it hard to get bankruptcy approved if you choose this Chapter? The key is simple. You must show that you can pay the Chapter 13 plan and follow the rules. If you can do this, the case can move forward.
Here is one section in bullet points.
This explains what the trustee checks to help decide if you can get approved.
What The Trustee Reviews In A Bankruptcy Case
If your papers are correct and honest, the trustee usually allows the case to move forward.
Many people turn to bankruptcy when debt grows too large. They may have medical bills or credit card debt. They may lose a job. They may face life events that change everything. Bankruptcy law exists to help people get a fresh start.
Some people fear the idea of declaring bankruptcy. They fear that the bankruptcy judge will be harsh. But the goal of personal bankruptcy is to help the honest debtor fix the problem. The question is not who you are. The question is whether you follow the rules under federal bankruptcy law.
If you meet the filing requirements and provide complete information, you can be approved for Chapter 7 or Chapter 13.
Here are simple steps that help many people:
When you follow these steps, you show the court that you are doing things the right way. This helps the court approve your case.
DEH Law offers guidance that fits the bankruptcy process. They know how to prepare a Chapter 7 bankruptcy case, how to help you file for Chapter 13, and how to guide you through a Chapter 11 case if needed. They understand debt management and the bankruptcy code. They help you understand requirements for filing. They help with file a Chapter 7 papers, file a bankruptcy forms, and much more.
Their team understands all parts of bankruptcy basics. They know how to handle a bankruptcy plan, a Chapter 7 case, a Chapter 13 case, or even a case under Chapter 11. They help people who cannot file under Chapter 7 or people who must file for Chapter 13 because of income or debt limits.
If you want support from a qualified bankruptcy attorney who understands federal bankruptcy law, DEH Law is a smart choice.
So, is it hard to get bankruptcy approved? For most people, the answer is no when they follow the rules. When you complete credit counseling, share full information, follow the means test, and provide correct papers, the process is often smoother than expected. Whether you file Chapter 7 or file for Chapter 13, you can move toward a fresh start.
If you want help understanding the bankruptcy process or want someone to guide you step by step, DEH Law is ready to support you.
What can make a bankruptcy get denied?
A case can be denied if you hide money, leave out debt, or skip required steps.
Do I need a lot of debt to file?
No. There is no minimum debt amount to file bankruptcy.
Does my income affect approval?
Yes. Your income helps decide if you qualify for Chapter 7 or Chapter 13.
How long does it take to get approved?
Many cases move forward in a few weeks, but timing depends on your papers.
What is the means test?
It is a test that checks if you qualify for Chapter 7 based on your income.
Ready to stop wondering is it hard to get bankruptcy approved and start getting real answers for your situation? Reach out to DEH Law today so you can understand your options and move forward with clarity. Call (214) 234-0529.
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