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While no specific cash exemption is listed in the federal bankruptcy exemptions, a wildcard exemption allows you to protect up to $1,325 in any property and use up to $12,575 of any unused portion of a homestead exemption to protect money.
Qualifying for a fee waiver: All Chapter 7 bankruptcy filers must pay the court filing fee of $338. But you may be able to have the fee waived if your income is under aspecific threshold, and you can't afford to pay it in installments.
If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and don't have the option of filing Chapter 7.
However, the discharge of unsecured loans can lead to an increase in their credit score, which may be visible in just about 3 to 4 months. By consistently repaying their debts going forward, individuals can significantly improve their credit scores.
The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.
This provision implements §303(b) which provides that an involuntary case is commenced by filing the petition with the court. As provided in §362 of the Code, the filing of the petition acts as a stay of certain acts and proceedings against the debtor, the debtor's property and property of the estate.
In addition, no individual may be a debtor under chapter 11 or any chapter of the Bankruptcy Code unless he or she has, within 180 days before filing, received credit counseling from an approved credit counseling agency either in an individual or group briefing.