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Being sued by a credit card company can feel overwhelming and urgent—because it is. Once a lawsuit is filed, creditors are no longer just sending letters or making phone calls. They are actively trying to obtain a court judgment that can lead to wage garnishment, frozen bank accounts, and long-term financial consequences. The good news is that Chapter 7 bankruptcy can immediately stop a credit card lawsuit and eliminate the debt altogether . If you’ve been sued in Tampa or an

If you receive Social Security benefits  and are considering filing Chapter 7 bankruptcy in Tampa or anywhere in Florida , one of the most common questions is: Will my Social Security income prevent me from qualifying for Chapter 7? In most cases, the answer is no . Social Security benefits generally do not count  when determining whether you qualify for Chapter 7 bankruptcy. Below, we explain how Social Security income is treated, how the Chapter 7 means test works, and wha

If you’re considering filing Chapter 7 bankruptcy , one of the first questions you’ll face is whether you pass the Chapter 7 means test . The means test determines whether you qualify to wipe out unsecured debts like credit cards, medical bills, and personal loans. The good news? Many people qualify even if they think they make “too much.”  Below is a simple, step-by-step guide on how the Chapter 7 means test is calculated and what really matters. What Is the Chapter 7 Means

Many people assume that if their household income is above the bankruptcy limit, they automatically do not qualify for Chapter 7 bankruptcy . That’s a common misconception. In reality, you can still pass the Chapter 7 means test even if your income is above the median household income . The means test has two parts, and thousands of people qualify for Chapter 7 every year despite earning more than the published income limits. Here’s how it works. What Is the Chapter 7 Means T