{"id":5854,"date":"2023-02-13T09:49:21","date_gmt":"2023-02-13T14:49:21","guid":{"rendered":"https:\/\/westbrooklawgroup.com\/?page_id=5854"},"modified":"2023-03-16T09:59:18","modified_gmt":"2023-03-16T14:59:18","slug":"who-cant-file-chapter-7-bankruptcy","status":"publish","type":"page","link":"https:\/\/westbrooklawgroup.com\/who-cant-file-chapter-7-bankruptcy\/","title":{"rendered":"Who Can&#8217;t File Chapter 7"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Bothered by debt? We\u2019re here to help!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A major factor that contributes to an individual choosing to file Chapter 7 bankruptcy is because of how fast it can clear your debt. Even though you may be eligible for other bankruptcy chapters, a Chapter 7 bankruptcy petition <\/span><b>provides the quickest way to debt relief <\/b><span style=\"font-weight: 400;\">and getting back to your normal life. Unfortunately, there are certain situations that may prevent you from filing bankruptcy under Chapter 7 even if you want to. That\u2019s why finding out who cant file Chapter 7 bankruptcy in St Charles MO is a key step to getting rid of your debts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Losing a source of income, family problems, medical emergencies, accidents, existing credit card debt, and other sudden events are some of the reasons that cause you to struggle financially. Filing Chapter 7 bankruptcy provides a chance for you to get back on your feet quickly while not worrying about constantly getting calls from debt collectors.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want reliable information on who cant file Chapter 7 bankruptcy in St Charles MO, you will certainly gain so much from <\/span><a href=\"http:\/\/westbrooklawgroup.com\/\"><span style=\"font-weight: 400;\">hiring an experienced Missouri bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\">. With legal representation from us at Westbrook Law Group, LLC, we\u2019ll do our best to maximize your time and resources. Give our law firm a call immediately to schedule a FREE CONSULTATION with a skilled bankruptcy attorney!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Do I Need A Missouri Bankruptcy Attorney?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It doesn\u2019t matter how much you need to pay back your creditors; going through the entire bankruptcy proceedings will stress out even the most mentally-tough people. But regardless of how you feel about your situation, there\u2019s absolutely no reason why you shouldn\u2019t ask for help from people who can. If you allow a bankruptcy lawyer to deal with the complex areas of the bankruptcy process, you\u2019re a step closer to attaining the fresh start you desperately need.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apart from having someone that gives great legal advice on who and who can&#8217;t file for Chapter 7 bankruptcy in St Charles MO, you\u2019ll have a bankruptcy lawyer who:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Experienced in helping all clients recover financially through bankruptcy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Educates every client on handling debt obligations properly, no matter how burdensome.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is committed to Missouri bankruptcy law and advocates for the rights of everyone suffering from financial problems.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Will carefully walk you through each step of the bankruptcy process while making sure you use all your resources wisely<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assists each individual or group in protecting their assets and other things which are of great value to them.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If debt constantly gives you sleepless nights, speak with a St. Charles, MO bankruptcy attorney by contacting Westbrook Law Group, LLC today so avail of a FREE initial consultation with dependable debtor education.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is Chapter 7 bankruptcy?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Also known as liquidation bankruptcy, the process of <\/span><a href=\"https:\/\/westbrooklawgroup.com\/chapter-7\/\"><span style=\"font-weight: 400;\">Chapter 7 bankruptcy<\/span><\/a><span style=\"font-weight: 400;\"> involves the gathering and selling of an individual\u2019s property that are not protected by bankruptcy exemptions. Because of this, Chapter 7 bankruptcy filing will most probably result in you losing a lot of assets. This proves that you first must know who cant file Chapter 7 bankruptcy in St Charles MO and which of your assets are able to receive bankruptcy protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To be eligible for filing Chapter 7 bankruptcy in Missouri, an individual has to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appear before the bankruptcy court and follow orders within 180 days of submitting the petition<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Complete a credit counseling course within 180 days of submitting the bankruptcy petition<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pass the Chapter 7 bankruptcy means test<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have been determined to qualify for filing Chapter 7 bankruptcy based on the totality of the circumstances<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In order to get more information on the <\/span><a href=\"https:\/\/westbrooklawgroup.com\/chapter-7-bankruptcy-eligibility\/\"><span style=\"font-weight: 400;\">eligibility requirements for Chapter 7 bankruptcy filing<\/span><\/a><span style=\"font-weight: 400;\"> and who cant file Chapter 7 bankruptcy St Charles MO, talk to a bankruptcy attorney right away!\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who Can\u2019t File For Chapter 7 Bankruptcy?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing who cant file Chapter 7 bankruptcy in St Charles MO has to be one of the first things you need to determine before you begin to fill out the <\/span><a href=\"https:\/\/westbrooklawgroup.com\/forms-you-must-file-in-chapter-7-bankruptcy\/\"><span style=\"font-weight: 400;\">bankruptcy forms<\/span><\/a><span style=\"font-weight: 400;\"> needed for your petition. In case you were determined not to be qualified to file for Chapter 7 bankruptcy filing, you have a lot more time to figure out what to do next.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following scenarios refer to individuals who are NOT qualified to petition for Chapter 7 bankruptcy.<\/span><\/p>\n<h3><b>Someone with enough money to repay creditors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The first thing that usually determines who cant file Chapter 7 bankruptcy St Charles MO is if the bankruptcy court sees that you are capable of paying your creditors with the money you currently have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your answer to the following questions helps determine your Chapter 7 eligibility:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is your income high enough?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have enough disposable income?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much extra money do you have every month?<\/span><\/li>\n<\/ul>\n<h3><b>Someone recently discharged from bankruptcy<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Another situation that determines that you\u2019re somebody who can&#8217;t file Chapter 7 bankruptcy St Charles MO is when you\u2019ve only recently received a bankruptcy discharge.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Per the <\/span><a href=\"https:\/\/www.uscourts.gov\/services-forms\/bankruptcy\/bankruptcy-basics\/discharge-bankruptcy-bankruptcy-basics\"><span style=\"font-weight: 400;\">Bankruptcy Code<\/span><\/a><span style=\"font-weight: 400;\">, you can\u2019t file for bankruptcy if you\u2019ve been discharged from a Chapter 7 case within the past 8 years or a Chapter 13 bankruptcy case within the last 6 years.<\/span><\/p>\n<h3><b>Someone with a case dismissed by the bankruptcy court within the last 180 days<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To make sure you don&#8217;t fall under individuals who cant file Chapter 7 bankruptcy St Charles MO, you should not have a <\/span><a href=\"https:\/\/www.uscourts.gov\/services-forms\/bankruptcy\/bankruptcy-basics\/chapter-7-bankruptcy-basics\"><span style=\"font-weight: 400;\">bankruptcy case dismissed<\/span><\/a><span style=\"font-weight: 400;\"> by a United States court due to any of these reasons:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You disobeyed a court order<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The court ruled that your petition is fraudulent and\/or abuses the United States bankruptcy system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You requested the dismissal after a creditor asked for relief from the automatic stay<\/span><\/li>\n<\/ul>\n<h3><b>Someone who defrauded his\/her creditors<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If the court finds out that you tried to cheat your creditors by hiding some of your assets to prevent them from being liquidated, then it makes you somebody who cant file Chapter 7 bankruptcy St Charles MO.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The actions specified below are considered red flags to most creditors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Selling assets to your family and friends for significantly below their market value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incurring debts for luxury goods without having the means to pay them off\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Concealing money or properties from your business partner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not being truthful about your income and debts during the application<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Call our St. Charles, MO bankruptcy lawyer now!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are many reasons that explain how someone could suddenly be in so much debt. May it be mountains of <\/span><a href=\"https:\/\/westbrooklawgroup.com\/credit-card-debt\/\"><span style=\"font-weight: 400;\">credit card debt<\/span><\/a><span style=\"font-weight: 400;\"> or some unpaid <\/span><a href=\"https:\/\/westbrooklawgroup.com\/student-loan-lawyer\/\"><span style=\"font-weight: 400;\">student loan debt<\/span><\/a><span style=\"font-weight: 400;\">, it can really <\/span><a href=\"https:\/\/westbrooklawgroup.com\/720-credit-score\/\"><span style=\"font-weight: 400;\">make your credit score suffer<\/span><\/a><span style=\"font-weight: 400;\"> and lead to so much stress for you and your loved ones.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, Westbrook Law Group, LLC has a proven track record of providing excellent legal services on countless bankruptcy cases. Our team of bankruptcy lawyers has successfully helped thousands of individuals recover from their financial issues successfully.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So If you seek trustworthy legal advice on who cant file Chapter 7 bankruptcy St Charles MO, visit our law office today to avail yourself of FREE initial consultation from a Missouri bankruptcy attorney.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bothered by debt? We\u2019re here to help! A major factor that contributes to an individual choosing to file Chapter 7 bankruptcy is because of how fast it can clear your debt. Even though you may be eligible for other bankruptcy chapters, a Chapter 7 bankruptcy petition provides the quickest way to debt relief and getting [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5593,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"_links":{"self":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/5854"}],"collection":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/comments?post=5854"}],"version-history":[{"count":1,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/5854\/revisions"}],"predecessor-version":[{"id":5855,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/pages\/5854\/revisions\/5855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/media\/5593"}],"wp:attachment":[{"href":"https:\/\/westbrooklawgroup.com\/wp-json\/wp\/v2\/media?parent=5854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}