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Chapter 7 or Chapter 13? The means test will determine

New Jersey consumers who are contemplating filing for bankruptcy may not be aware of the federally mandated means test that has to be completed as the first step in the process. Many people are unsure about whether to file for Chapter 7 or Chapter 13 bankruptcy, but this not the choice of the debtor. The results of the means test will determine for which Chapter the person qualifies.

The means test is not to be considered as a procedure to do without professional guidance. The attorneys at Goldman & Beslow, LLC, consider this the most critical stage of the bankruptcy process. It is an intricate procedure in which uninformed answers to key questions can adversely affect the outcome of the test. A person may be hoping to qualify for Chapter 7 bankruptcy, but a seemingly insignificant error may remove that option.

Once these experienced attorneys have guided consumers through the means test, they will provide guidance throughout the subsequent proceedings. They will also explain the details of the protection offered under the U.S. Bankruptcy Code. Chapter 7 bankruptcy provides prompt discharge of unsecured debts, such as medical and credit card debt, while Chapter 13 presents an opportunity to continue paying debts over an extended period.

Both Chapter 7 and Chapter 13 bankruptcy have their respective complexities, and when a person's future financial stability is on the line, only the best guidance will do. At the offices of our New Jersey bankruptcy lawyers, skilled attorneys can take each client through the bankruptcy process -- from the crucial means test to the filing and the meetings with creditors -- and throughout the legal proceedings. Our clients can rely on our full support in the quest to obtain fresh financial starts.

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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow, LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
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NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
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Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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