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Means Test Calcluator

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Texas Median Income standards for Means Test

Standard applied based on petition date.

(Note median income standards change on November 1, 2016.)

Number of persons in household:
1 2 3 4 5 6 7 8 9 10
Monthly Median Income - November 1, 2016 3,844 5,078 5,408 6,324 7,024 7,724 8,424 9,124 9,824 10,524
Annual Median Income - November 1, 2016 46,127 60,935 64,894 75,885 84,285 92,685 101,085 109,485 117,885 126,285
Monthly Median Income - May 1, 2016 - October 31, 2016 3,686 4,947 5,226 6,058 6,758 7,458 8,158 8,858 9,558 10,258
Annual Median Income - May 1, 2016 - October 31, 2016 44,230 59,366 62,710 72,698 81,098 89,498 97,898 106,298 114,698 123,098

or . . .

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Williamson County Means Test Calculator [TXW] (Georgetown)

Cameron County Means Test Calculator [TXS] (Brownsville)

Nueces County Means Test Calculator [TXS] (Corpus Christi)

Brazoria County Means Test Calculator [TXS] (Angleton)

Bell County Means Test Calculator [TXW] (Belton)

Galveston County Means Test Calculator [TXS] (Galveston)

Lubbock County Means Test Calculator [TXN] (Lubbock)

Jefferson County Means Test Calculator [TXE] (Beaumont)

Webb County Means Test Calculator [TXS] (Laredo)

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Hays County Means Test Calculator [TXW] (San Marcos)

Johnson County Means Test Calculator [TXN] (Cleburne)

Ellis County Means Test Calculator [TXN] (Waxahachie)

Ector County Means Test Calculator [TXW] (Odessa)

Midland County Means Test Calculator [TXW] (Midland)

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Taylor County Means Test Calculator [TXN] (Abilene)

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Gregg County Means Test Calculator [TXE] (Longview)

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Parker County Means Test Calculator [TXN] (Weatherford)

Tom Green County Means Test Calculator [TXN] (San Angelo)

Comal County Means Test Calculator [TXW] (New Braunfels)

Kaufman County Means Test Calculator [TXN] (Kaufman)

Bowie County Means Test Calculator [TXE] (New Boston)

Victoria County Means Test Calculator [TXS] (Victoria)

Angelina County Means Test Calculator [TXE] (Lufkin)

Hunt County Means Test Calculator [TXN] (Greenville)

Orange County Means Test Calculator [TXE] (Orange)

Henderson County Means Test Calculator [TXE] (Athens)

Rockwall County Means Test Calculator [TXN] (Rockwall)

Liberty County Means Test Calculator [TXE] (Liberty)

Coryell County Means Test Calculator [TXW] (Gatesville)

Bastrop County Means Test Calculator [TXW] (Bastrop)

Walker County Means Test Calculator [TXS] (Huntsville)

Harrison County Means Test Calculator [TXE] (Marshall)

San Patricio County Means Test Calculator [TXS] (Sinton)

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Starr County Means Test Calculator [TXS] (Rio Grande City)

Wise County Means Test Calculator [TXN] (Decatur)

Anderson County Means Test Calculator [TXE] (Palestine)

Hardin County Means Test Calculator [TXE] (Kountze)

Maverick County Means Test Calculator [TXW] (Eagle Pass)

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Van Zandt County Means Test Calculator [TXE] (Canton)

Hood County Means Test Calculator [TXN] (Granbury)

Cherokee County Means Test Calculator [TXE] (Rusk)

Lamar County Means Test Calculator [TXE] (Paris)

Kerr County Means Test Calculator [TXW] (Kerrville)

Val Verde County Means Test Calculator [TXW] (Del Rio)

Navarro County Means Test Calculator [TXN] (Corsicana)

Medina County Means Test Calculator [TXW] (Hondo)

Polk County Means Test Calculator [TXE] (Livingston)

Atascosa County Means Test Calculator [TXW] (Jourdanton)

Waller County Means Test Calculator [TXS] (Hempstead)

Wilson County Means Test Calculator [TXW] (Floresville)

Burnet County Means Test Calculator [TXW] (Burnet)

Wood County Means Test Calculator [TXE] (Quitman)

Wharton County Means Test Calculator [TXS] (Wharton)

Jim Wells County Means Test Calculator [TXS] (Alice)

Upshur County Means Test Calculator [TXE] (Gilmer)

Cooke County Means Test Calculator [TXE] (Gainesville)

Brown County Means Test Calculator [TXN] (Brownwood)

Caldwell County Means Test Calculator [TXW] (Lockhart)

Erath County Means Test Calculator [TXN] (Stephenville)

Matagorda County Means Test Calculator [TXS] (Bay City)

Hale County Means Test Calculator [TXN] (Plainview)

Jasper County Means Test Calculator [TXE] (Jasper)

Hopkins County Means Test Calculator [TXE] (Sulphur Springs)

Chambers County Means Test Calculator [TXS] (Anahuac)

Hill County Means Test Calculator [TXW] (Hillsboro)

Howard County Means Test Calculator [TXN] (Big Spring)

Fannin County Means Test Calculator [TXE] (Bonham)

Washington County Means Test Calculator [TXW] (Brenham)

Kendall County Means Test Calculator [TXW] (Boerne)

Titus County Means Test Calculator [TXE] (Mount Pleasant)

Kleberg County Means Test Calculator [TXS] (Kingsville)

Bee County Means Test Calculator [TXS] (Beeville)

Cass County Means Test Calculator [TXE] (Linden)

Austin County Means Test Calculator [TXS] (Bellville)

Palo Pinto County Means Test Calculator [TXN] (Palo Pinto)

Grimes County Means Test Calculator [TXS] (Anderson)

Uvalde County Means Test Calculator [TXW] (Uvalde)

San Jacinto County Means Test Calculator [TXS] (Coldspring)

Shelby County Means Test Calculator [TXE] (Center)

Gillespie County Means Test Calculator [TXW] (Fredericksburg)

Milam County Means Test Calculator [TXW] (Cameron)

Fayette County Means Test Calculator [TXS] (La Grange)

Panola County Means Test Calculator [TXE] (Carthage)

Houston County Means Test Calculator [TXE] (Crockett)

Limestone County Means Test Calculator [TXW] (Groesbeck)

Aransas County Means Test Calculator [TXS] (Rockport)

Hockley County Means Test Calculator [TXN] (Levelland)

Gray County Means Test Calculator [TXN] (Pampa)

Hutchinson County Means Test Calculator [TXN] (Stinnett)

Willacy County Means Test Calculator [TXS] (Raymondville)

Moore County Means Test Calculator [TXN] (Dumas)

Tyler County Means Test Calculator [TXE] (Woodville)

Calhoun County Means Test Calculator [TXS] (Port Lavaca)

Colorado County Means Test Calculator [TXS] (Columbus)

Bandera County Means Test Calculator [TXW] (Bandera)

Jones County Means Test Calculator [TXN] (Anson)

De Witt County Means Test Calculator [TXS] (Cuero)

Freestone County Means Test Calculator [TXW] (Fairfield)

Gonzales County Means Test Calculator [TXW] (Gonzales)

Montague County Means Test Calculator [TXN] (Montague)

Lampasas County Means Test Calculator [TXW] (Lampasas)

Deaf Smith County Means Test Calculator [TXN] (Hereford)

Llano County Means Test Calculator [TXW] (Llano)

Lavaca County Means Test Calculator [TXS] (Hallettsville)

Eastland County Means Test Calculator [TXN] (Eastland)

Young County Means Test Calculator [TXN] (Graham)

Bosque County Means Test Calculator [TXW] (Meridian)

Falls County Means Test Calculator [TXW] (Marlin)

Gaines County Means Test Calculator [TXN] (Seminole)

Frio County Means Test Calculator [TXW] (Pearsall)

Burleson County Means Test Calculator [TXW] (Caldwell)

Scurry County Means Test Calculator [TXN] (Snyder)

Leon County Means Test Calculator [TXW] (Centerville)

Robertson County Means Test Calculator [TXW] (Franklin)

Lee County Means Test Calculator [TXW] (Giddings)

Pecos County Means Test Calculator [TXW] (Fort Stockton)

Nolan County Means Test Calculator [TXN] (Sweetwater)

Karnes County Means Test Calculator [TXW] (Karnes City)

Andrews County Means Test Calculator [TXW] (Andrews)

Trinity County Means Test Calculator [TXE] (Groveton)

Newton County Means Test Calculator [TXE] (Newton)

Jackson County Means Test Calculator [TXS] (Edna)

Zapata County Means Test Calculator [TXS] (Zapata)

Lamb County Means Test Calculator [TXN] (Littlefield)

Comanche County Means Test Calculator [TXN] (Comanche)

Dawson County Means Test Calculator [TXN] (Lamesa)

Reeves County Means Test Calculator [TXW] (Pecos)

Madison County Means Test Calculator [TXS] (Madisonville)

Callahan County Means Test Calculator [TXN] (Baird)

Wilbarger County Means Test Calculator [TXN] (Vernon)

Morris County Means Test Calculator [TXE] (Daingerfield)

Red River County Means Test Calculator [TXE] (Clarksville)

Terry County Means Test Calculator [TXN] (Brownfield)

Camp County Means Test Calculator [TXE] (Pittsburg)

Duval County Means Test Calculator [TXS] (San Diego)

Zavala County Means Test Calculator [TXW] (Crystal City)

Live Oak County Means Test Calculator [TXS] (George West)

Rains County Means Test Calculator [TXE] (Emory)

Sabine County Means Test Calculator [TXE] (Hemphill)

Clay County Means Test Calculator [TXN] (Henrietta)

Ward County Means Test Calculator [TXW] (Monahans)

Franklin County Means Test Calculator [TXE] (Mount Vernon)

Marion County Means Test Calculator [TXE] (Jefferson)

Runnels County Means Test Calculator [TXN] (Ballinger)

Blanco County Means Test Calculator [TXW] (Johnson City)

Parmer County Means Test Calculator [TXN] (Farwell)

Ochiltree County Means Test Calculator [TXN] (Perryton)

Dimmit County Means Test Calculator [TXW] (Carrizo Springs)

Stephens County Means Test Calculator [TXN] (Breckenridge)

Mitchell County Means Test Calculator [TXN] (Colorado City)

Brewster County Means Test Calculator [TXW] (Alpine)

Archer County Means Test Calculator [TXN] (Archer City)

Jack County Means Test Calculator [TXN] (Jacksboro)

Coleman County Means Test Calculator [TXN] (Coleman)

San Augustine County Means Test Calculator [TXE] (San Augustine)

Hamilton County Means Test Calculator [TXW] (Hamilton)

Somervell County Means Test Calculator [TXW] (Glen Rose)

McCulloch County Means Test Calculator [TXW] (Brady)

Castro County Means Test Calculator [TXN] (Dimmitt)

Yoakum County Means Test Calculator [TXN] (Plains)

Swisher County Means Test Calculator [TXN] (Tulia)

Presidio County Means Test Calculator [TXW] (Marfa)

Refugio County Means Test Calculator [TXS] (Refugio)

Brooks County Means Test Calculator [TXS] (Falfurrias)

Goliad County Means Test Calculator [TXS] (Goliad)

Bailey County Means Test Calculator [TXN] (Muleshoe)

Winkler County Means Test Calculator [TXW] (Kermit)

Childress County Means Test Calculator [TXN] (Childress)

La Salle County Means Test Calculator [TXS] (Cotulla)

Dallam County Means Test Calculator [TXN] (Dalhart)

Garza County Means Test Calculator [TXN] (Post)

Floyd County Means Test Calculator [TXN] (Floydada)

Carson County Means Test Calculator [TXN] (Panhandle)

San Saba County Means Test Calculator [TXW] (San Saba)

Hartley County Means Test Calculator [TXN] (Channing)

Crosby County Means Test Calculator [TXN] (Crosbyton)

Lynn County Means Test Calculator [TXN] (Tahoka)

Haskell County Means Test Calculator [TXN] (Haskell)

Hansford County Means Test Calculator [TXN] (Spearman)

Wheeler County Means Test Calculator [TXN] (Wheeler)

Jim Hogg County Means Test Calculator [TXS] (Hebbronville)

Delta County Means Test Calculator [TXE] (Cooper)

Mills County Means Test Calculator [TXN] (Goldthwaite)

Martin County Means Test Calculator [TXW] (Stanton)

Kimble County Means Test Calculator [TXW] (Junction)

Crane County Means Test Calculator [TXW] (Crane)

Hardeman County Means Test Calculator [TXN] (Quanah)

Sutton County Means Test Calculator [TXN] (Sonora)

Concho County Means Test Calculator [TXN] (Paint Rock)

Mason County Means Test Calculator [TXW] (Mason)

Fisher County Means Test Calculator [TXN] (Roby)

Hemphill County Means Test Calculator [TXN] (Canadian)

Baylor County Means Test Calculator [TXN] (Seymour)

Crockett County Means Test Calculator [TXN] (Ozona)

Knox County Means Test Calculator [TXN] (Benjamin)

Donley County Means Test Calculator [TXN] (Clarendon)

Kinney County Means Test Calculator [TXW] (Brackettville)

Hudspeth County Means Test Calculator [TXW] (Sierra Blanca)

Schleicher County Means Test Calculator [TXN] (Eldorado)

Shackelford County Means Test Calculator [TXN] (Albany)

Reagan County Means Test Calculator [TXN] (Big Lake)

Upton County Means Test Calculator [TXW] (Rankin)

Hall County Means Test Calculator [TXN] (Memphis)

Coke County Means Test Calculator [TXN] (Robert Lee)

Real County Means Test Calculator [TXW] (Leakey)

Lipscomb County Means Test Calculator [TXN] (Lipscomb)

Cochran County Means Test Calculator [TXN] (Morton)

Collingsworth County Means Test Calculator [TXN] (Wellington)

Sherman County Means Test Calculator [TXN] (Stratford)

Dickens County Means Test Calculator [TXN] (Dickens)

Culberson County Means Test Calculator [TXW] (Van Horn)

Jeff Davis County Means Test Calculator [TXW] (Fort Davis)

Menard County Means Test Calculator [TXN] (Menard)

Oldham County Means Test Calculator [TXN] (Vega)

Edwards County Means Test Calculator [TXW] (Rocksprings)

Armstrong County Means Test Calculator [TXN] (Claude)

Throckmorton County Means Test Calculator [TXN] (Throckmorton)

Briscoe County Means Test Calculator [TXN] (Silverton)

Irion County Means Test Calculator [TXN] (Mertzon)

Cottle County Means Test Calculator [TXN] (Paducah)

Stonewall County Means Test Calculator [TXN] (Aspermont)

Foard County Means Test Calculator [TXN] (Crowell)

Glasscock County Means Test Calculator [TXN] (Garden City)

Motley County Means Test Calculator [TXN] (Matador)

Sterling County Means Test Calculator [TXN] (Sterling City)

Terrell County Means Test Calculator [TXW] (Sanderson)

Roberts County Means Test Calculator [TXN] (Miami)

Kent County Means Test Calculator [TXN] (Jayton)

McMullen County Means Test Calculator [TXS] (Tilden)

Borden County Means Test Calculator [TXN] (Gail)

Kenedy County Means Test Calculator [TXS] (Sarita)

King County Means Test Calculator [TXN] (Guthrie)

Loving County Means Test Calculator [TXW] (Mentone)


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Welcome, Texas users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Texas exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Texas exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek


Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
-Attorney Gary Klein, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


 

Welcome, Texas users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of Texas exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using Texas exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek


Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
-Attorney Gary Klein, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today