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File Bankruptcy Easy - $279

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New Jersey
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Law Champs, LLC 908-392-6702 Are you considering filing a bankruptcy in NJ? Filing for bankruptcy is the quickest way to become debt free! That is why I am offering my services for a reduced fee of $279 for a limited time only. My fee is $279 and it does not include the court's filing fee. However, you may be able to have your filing fee waived or paid in installments. Here are the answers to some questions that I hear every day: 1. What types of debt can be discharged in a Chapter 7 bankruptcy case? a. credit card debt b. medical bills c. personal loans d. utility bills e. payday loans f. federal taxes in some circumstances 2. How often can a person file for Chapter 7 bankruptcy? Pursuant to the changes made to the bankruptcy laws in 2005, you can only file for bankruptcy every 8 years. 3. What is the "means" test and how do I know if I pass it? Bankruptcy law has an eligibility requirement called the "means test" to determine whether a person qualifies for Chapter 7 bankruptcy. Debtors whose "current monthly income"-their average income over the 6 months before they filed for bankruptcy-exceeds their state's median income must take a means test. In the means test, debtors calculate their disposable income by subtracting certain allowable expenses and deductions from their current monthly income. If they have enough disposable income to fund a Chapter 13 repayment plan, their Chapter 7 case will be a "presumed abuse" of the bankruptcy laws and will be dismissed or converted to Chapter 13. Law Champs, LLC 908-392-6702

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