"I make too much money to file for bankruptcy." The Means Test.
How do you know? Did you look it up online? Did you ask your neighbor? Did you ask a friend who has filed before?
The answer lies in a test so complicated that most attorneys cannot even answer the question without inputting almost all of your financial information into an incredibly complex formula known as the 'means test'.
The means test has some basic major variables, but in truth, it's so complicated that you need software to figure it out correctly. If that is the case, how on Earth do you expect to get a reliable answer from friends, family or online?
Sure, there is one element to the test known as the 'median income' threshold, but that is only one element. Yes, if you make less than the median, then the means test may not even apply to you, but you may have expenses that still disqualify you from filing, even with a 'below median' income.
Look, there is no reason why you should take an educated guess. There is no reason why you shouldn't know for sure. Finding out is free and only takes a little bit of your time.
You can find out by calling my office and booking an appointment, or filling out some of the basic info on our online questionnaire. There is no obligation whatsoever.