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¿Puede Usted Aprobar la Prueba de Medios Económicos?

La prueba de medios económicos (Means Test) es un paso que se tiene que tomar para determinar si usted llena los requisitos para el capítulo 7 o para el capítulo 13 de bancarrota. El objetivo principal de la prueba de medios económicos es de asegurar que los que tienen medios más altos eligen la opción del capítulo 13 en vez de la del capítulo 7. La suposición es que ellos pueden pagar sus deudas y reorganizar en vez de eliminar inmediato todas las deudas con el capítulo 7. El capítulo 13 dura de 3 a 5 años. Se tiene que comparar los ingresos mensuales con el término medio de una familia de California del mismo hogar, aproximadamente 48.000 para los individuales y 64.000 para los hogares de 2 personas. Si los ingresos de usted son menos del término medio, pues entonces tendrá usted derecho de eligir el capítulo 7. Si sus ingresos son más del término medio, pues se tendrá que tomar otro paso más y averiguar si los gastos permitidos, que incluye cualquier deuda garantizada como los préstamos hipotecarios y los de vehículos en los que usted sigue pagando, le dejan sin ingresos mensuales disponibles para pagar a los acreedores. Tener una mensualidad hipotecaria alta u otro gasto permitido se les facilita a algunos que tienen ingresos altos de eligir el capítulo 7 a pesar de que no hayan aprobado la primera parte de la prueba de medios económicos.


Client Reviews
★★★★★
I highly recommend Christopher Hewitt. Chris was doing pretty good job on my case with full support from processing, scheduling and other questions. We are in desperate situation facing foreclosure and credit card debt at that time, he saved us. He has my highest recommendation with regard to his expertise. Rizal H K
★★★★★
We found the law office of Christopher Hewitt to be a pleasant relationship in our legal situation. The law office was always responsive and always treated my questions as important and answered very quickly. The law office always advised me and I got great advise on our situation. I would highly recommend this law office for your legal dilemma. John H
★★★★★
Ibegan a business relationship with the Law Office of Christopher Hewitt and dealt with Mr. Hewitt directly. I utilized his service in debt management and because of him i am debt free within 6 months!!! I cannot thank him enough for all the hard work he did and how effective he was with all my creditors. I definitely could not have been this successful with eradicating my debt if i had not employed Mr. Hewitt's services. I strongly recommend him and his Law Office to anyone looking for legal help. Thank you so much!!! Debra B.
★★★★★
The Law Office of Chris Hewitt was great at handling my debt settlement. I was able to speak directly with the attorney multiple times and he always knew what was going on with my accounts and gave me clear advise. I did not feel like he made any false promises and was very realistic about what the outcomes would be. At the end of the year I was able to pay off all my credit cards at less than 40% of what I owed at the time I hired him. I would highly recommend Chris Hewitt for any one who has debt issues and does not want to file for bankruptcy. Karen H.
★★★★★
Basically, if I could describe my experience with Chris Hewitt in three words they would be, professional, straight-forward, and helpful. Going into filing chapter 7 bankruptcy, I had no clue where to begin. Chris took me where I was at and guided me along a process that proved to be clearing financially and emotionally. Plus, I am quite certain nobody could have done it for a better price. I would recommend his service to anybody. Thank you. Dylan H.
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