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Kovacs Law, P.C. Kovacs Law, P.C.
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Do I Qualify? Dedicated to Helping People Get a Fresh Start

Do I qualify for Bankruptcy?

Bankruptcy Qualifications

If you are struggling to pay your bills due to possessing overwhelming debt then there is a strong chance that you will qualify for bankruptcy. In order to be able to file for Chapter 7 bankruptcy, you must first take what is called a "means test." A means test determines whether or not you are actually experiencing financial hardship by comparing your income with that of the median average income of the state. If your average income is lower than that of the state's average, then you will most likely qualify right away. You must also have taken a credit counseling course from an approved credit counseling agency within 180 days of filing. This applies to Chapter 13 cases as well.

In order to qualify for Chapter 13, you must be an individual (rather than a business or corporation) and you must have enough income to fund the payment plan that will allow you to pay back creditors. In addition, your unsecured debt load must not exceed $360,475 and your secured debt load must not exceed $ 1,081,400. These amounts are adjusted from time to time. If you have further questions about your bankruptcy eligibility, contact an attorney today.

Don't Wait to Get Started on Your Case Today

Kovacs Law, P.C. provides help to individuals in consumer bankruptcy matters. We believe that everyone is entitled to a fresh financial start, especially in light of recent economic conditions, and we provide legal assistance in an effort bring that about for our clients. We will help you determine if you are eligible for bankruptcy, and guide you through the filing process should you decide to move forward.

Contact a Worcester lawyer to see if you qualify for Chapter 7, Chapter 11, or Chapter 13 bankruptcy.

Divorce & Family Law
We're also available to help you and your family overcome complex legal cases. Our team has decades of experience navigating cases involving divorce, child custody, spousal support, and other family law matters.
Go to our Family Law Site

Real Stories From Real People

Hear It Directly From Our Clients
    I would recommend him to anyone.
    “Bankruptcy expert very easy to deal with, friendly service, took care of all Communication and scheduling with the courts. I didn’t have to deal with anyone but him. I really enjoyed dealing with him.”
    - Colin D.
    Extremely professional, supportive, and worked diligently!
    “If you need someone to be straight forward with you, tell you like it is, and help guide you through the bankruptcy process, this is the guy. We are very thankful!”
    - Christina P.
    Very professional and thorough!
    “Very thankful to Robert and his office staff. Very professional and thorough and I would highly recommend Kovacs Law, P.C.”
    - Michael K.
    The year process was easy and stress free and he helped us in every way.
    “Mr. Robert Kovac did an excellent job with my parents bankruptcy case. The year process was easy and stress free and he helped us in every way.”
    - Carolina R.
    He takes his time and puts you at ease.
    “Due to Robert's compassion, I no longer have the stress and worry about my finances. Thank you, Robert, for giving me my life back!”
    - Lynn C.
    Would recommend, 100%.
    “He walked me through the bankruptcy steps slowly and answered all of my questions. Even on days he was clearly extremely busy, I never felt rushed with him. Would recommend, 100%.”
    - Nina G.
    He has lots of knowledge and experience in the process.
    “His very attentive and shows empathy towards his clients and does not treat you just like another case load.”
    - Nuh M.
    Everything was complete on trip one! What a relief.
    “Robert Kovacs and his firm did a thorough job and I was completely satisfied with him and his staff. He handled all the details and there were no surprises.”
    - Elizabeth
    From the time I started my process to the time it was finished I was always treated with respect and consideration.
    “From the time I started my process to the time it was finished I was always treated with respect and consideration.”
    - Former Client

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