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Eligibility

Home / Bankruptcy Services / Bankruptcy Law / Chapter 7 Bankruptcy Services / Eligibility

Before filing chapter 7 bankruptcy, we need to determine your eligibility through the means test. The means test is required by law to make sure that your income is not sufficient enough to pay your bills, and it is tied to the state’s median gross income.

Because the per capita income in Connecticut ranks among the highest in the United States, it may be easier to qualify for chapter 7 in Connecticut than in many other states.
Your median income is calculated by adding together:

  • gross income including wages, salary, tips, bonuses, and commissions
  • net business income expenses
  • non-Social Security unemployemtn compensation
  • pension and retirement income
  • money received for expenses, including child support and alimony
  • any additional income

To pass the means test, your monthly income over the past six months must not be greater than Connecticut’s median income.
Also See:

  • Debt Consolidation Advice
  • Help With Medical Debts
  • Bankruptcy During Divorce

Even if it is, you may often be able to take advantage of deductions under IRS standards, including marital adjustments, mandatory payroll deductions and healthcare expenses, along with other allowable expenses and debt payment deductions.

Attorney Ronald Chorches and our entire legal staff are expert Chapter 7 bankruptcy attorneys who will help you get the fresh start you deserve and will take care of the filing process. If you do not qualify for Chapter 7, we discuss your options under Chapter 13 bankruptcy that can get you out of debt and protect you from creditors.

Get In Touch With Us

For a free and confidential bankruptcy consultation on Chapter 7 and other bankruptcy options, please contact us online or call The Law Offices of Ronald I. Chorches at 860-563-3955.

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    Client Review

    “My wife and I came into see Ronald Chorches during the COVID 19 pandemic. He was attentive to our needs, understanding, and determined to ensure that our family would be able to overcome this adversity. From my family to yours, THANK YOU RON!.”
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    Office Locations

    Wethersfield Office

    82 Wolcott Hill Rd., Wethersfield, CT 06109

    860-563-3955


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    487 North Main Street, Winsted, CT 06098

    860-379-5962

    Also Serving Bridgeport CT, Hartford CT, Manchester CT, and all of Connecticut

    Resources
    • Asset Protection Lawyer New Haven, CT
    • Asset Protection Lawyer Wethersfield, CT
    • Bankruptcy Lawyer Manchester, CT
    • Bankruptcy Lawyer Waterbury, CT
    • Chapter 7 Bankruptcy Lawyer Waterbury, CT
    • Foreclosure Defense Hartford, CT
    • Foreclosure Lawyer Waterbury, CT
    • Foreclosure Lawyer New Haven, CT
    • Mortgage Modification Lawyer New Haven, CT
    • Small Business Bankruptcy Lawyer New Haven, CT
    • Tax Debt Lawyer Hartford, CT
    • Foreclosure Lawyer Hartford, CT
    Contact Info

    New Clients: 860-935-6391
    Existing Clients: 860-563-3955
    Fax: 860-513-1577

    Our Attorneys
    • Ronald I. Chorches
    • Martin Chorches
    • Marjorie Gruszkiewicz
    Hours of Operations
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      • Home
      • Services
        • Bankruptcy Law
          • Chapter 7 Bankruptcy
          • Chapter 11 Bankruptcy
          • Chapter 13 Bankruptcy
          • Small Business Bankruptcy
          • Bankruptcy and Divorce
          • Bankruptcy FAQs
        • Non-Bankruptcy Options
          • Debt Relief
          • Debt Consolidation
        • Debt Relief Solutions
          • Credit Card Debt Relief
          • Student Loan Debt Relief
          • Medical Debt Relief
        • Discharged Taxes
        • Asset Protection
        • Preventing Home Foreclosure
          • Loan Modifications
          • Mediation Process
          • Waiting Time To Buy
          • Keeping Appliances
          • Selling Home Before
      • Reviews
      • Our Attorneys
        • Ronald I. Chorches
        • Martin Chorches
        • Marjorie Gruszkiewicz
      • Consultation
      • Articles
      • Contact Us