Contact Us

Bold labels are required.

NameThis field is required.


The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Simon, Fitzgerald, Cooke, Reed and Welch
Simon Fitzgerald, LLC
Louisiana’s Oldest Bankruptcy Law Firm
Free Case Evaluation
View Our Practice Areas

Chapter 7 bankruptcy: Make sure you qualify before you file

Many Louisiana residents will likely be among others throughout the nation who face serious financial crises in the post-holiday season. Fortunately, there are typically numerous options to help those in need obtain immediate debt relief and lay the groundwork to get their finances back on track. In order to apply for relief, such as Chapter 7 bankruptcy, however, one must first meet pre-application qualifications.

This type of financial relief is based on income. In short, if a person earns too high of an income, then he or she will not qualify. To determine whether a particular income level is within qualification limits, an applicant must take and pass a means test.

The means test compares the income in question with the average household income in the same state. Those that are the same or lower may proceed with their Chapter 7 applications. In addition to income qualifications, a person seeking relief may not have discharged debt through the same means within the past eight years.

To file for Chapter 7 bankruptcy, Louisiana residents must also participate in certified debt counseling programs. This must be done within 180 days prior to submitting an official application. There are several exceptions to the rule; for an explanation or to seek answers to other debt-related questions, a consultation can be scheduled with an experienced bankruptcy law attorney. It is not uncommon for one person to qualify for more than one type of debt relief, and experienced guidance can help determine which option is most viable in a particular situation.

No Comments

Leave a comment
Comment Information
Email Us For A Response

Office Locations

Shreveport Office
4700 Line Avenue, Suite 200
Shreveport, LA 71106
Fax: 318-868-8966

Map & Directions

Shreveport Office

Alexandria Office
1118 3rd Street
Alexandria, LA 71301
Phone: 318-224-0340
Fax: 318-868-8966

Map & Directions

Alexandria Office

Lafayette Office
2901 Johnston Street, Suite 202
Lafayette, LA 70503
Phone: 337-205-0492
Fax: 337-456-5465

Map & Directions

Lafayette Office