The Indiana Pro Se Debtor Packet is a set of documents and instructions designed to help individuals filing for bankruptcy in Indiana without the assistance of a lawyer. It provides step-by-step guidance on preparing the necessary paperwork to file for bankruptcy. The packet includes all the forms and instructions needed to complete the bankruptcy filing process, including a list of exemptions, a budget worksheet, and a Statement of Financial Affairs. It also includes information on filing fees, a list of creditors, and a case management timeline. The packet is available in two versions: one for Chapter 7 bankruptcy and one for Chapter 13 bankruptcy.
Indiana Pro Se Debtor Packet
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Pro Se Debtor Packet
How to fill out Indiana Pro Se Debtor Packet?
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The test involves seeing how your income compares to the median income in the state for other individuals who have a family with a similar size as yours. If you are at or below the median income level, you will most likely qualify for Chapter 7. If you don't, you may still be able to file for Chapter 13 bankruptcy.
The median income information is used by the bankruptcy court when determining whether or not an individual qualifies for relief under chapter 7 of the Bankruptcy Code, and also is used in determining the applicable commitment period for payment plans filed under chapter 13.
Chapter 7 works very well for many people, especially those who: own little property. have credit card balances, medical bills, and personal loans (these debts get wiped out in bankruptcy), and. whose family income doesn't exceed the state median for the same family size.
You have to pay a $338filing fee to file a Chapter 7 bankruptcy. When you file your petition, you can also apply to have the filing fee waived if you can't afford it. To qualify, your income must be less than 150% of Indiana's poverty guidelines (see the table for Indiana Fee Waiver Eligibility below).
Cons of Filing Chapter 7 Bankruptcy A bankruptcy stays on your credit report for up to 10 years.You can only file bankruptcy once every eight years.You are only allowed a certain number of exceptions.The legal process can be daunting and some find it embarrassing.Secured debts are dis-chargeable.
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.
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.