2026 Bankruptcy Guide: The Means Test is NOT Enough

Описание: Is passing the Means Test enough to qualify for Chapter 7? Not necessarily. In this 2026 Bankruptcy Guide, the Professor breaks down the critical difference between qualifying on paper and qualifying in reality. I dive into the "disposable income" trap, the importance of Schedules I & J, and why your assets might push you toward a Chapter 13 instead.
In this video, I cover:

The 2026 Means Test: Why looking at the last 6 months of income is only Step 1.

Disposable Income: How comparing Schedule I (Income) and Schedule J (Expenses) determines your filing chapter.

Asset Protection: What happens if your property isn't exempt?

Creditor Lawsuits: The danger of "Judgment Liens" and how they can quietly strip the equity from your home.

Discovery Tricks: How to use the exchange of documents to buy time or even move for a dismissal.

Got a question? Drop a comment below. I do my best to respond to as many as possible!

Key Resources & Links:
Your 2026 Guide to Chapter 7 Bankruptcy: Get a Fresh Start https://bankruptcy.blog/2026/01/chapt...

Chapter 13 Bankruptcy Guide 2026 | Stop Foreclosure & Protect Assetshttps://bankruptcy.blog/2026/01/chapt...

Navigating the Legal Maze: Essential Debtor Resources When Facing Lawsuits- https://bankruptcy.blog/2026/01/debto...

Discovery Objections in Debt Collection Lawsuits. Both Sides Play Defense--https://bankruptcy.blog/2026/01/disco...

Judgment Liens and Home Equity Erosion: The Silent Cost of Ignored Lawsuits--https://bankruptcy.blog/2026/01/judgm...

#Bankruptcy2026 #Chapter7 #Chapter13 #MeansTest #DebtRelief #LegalExpert

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About Professor Hernandez:

Alexander Hernandez is a nationally recognized bankruptcy expert, professor, and published author. His work on Consumer Bankruptcy Law provides a roadmap for navigating the complexities of bankruptcy and financial recovery.

Links

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The information on this site is considered for information and educational purposes only and does not constitute legal advice.