The West Virginia Certificate of Non-Attorney Bankruptcy Petition Preparer — Form 1— - Post 2005 Act is a crucial document required for individuals who seek assistance from a non-attorney in preparing their bankruptcy petition in the state of West Virginia. This certificate ensures that the chosen preparer meets the necessary requirements and complies with the regulations set forth by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAP CPA). In West Virginia, there are various types of Certificate of Non-Attorney Bankruptcy Petition Preparers available, each serving a specific purpose within the bankruptcy process. These different types may include: 1. Individual Preparers: Individuals who have obtained the necessary qualifications and credentials to serve as non-attorney bankruptcy petition preparers can obtain a Certificate of Non-Attorney Bankruptcy Petition Preparer — Form 1— - Post 2005 Act. This certificate allows them to assist individuals in preparing their bankruptcy petitions, ensuring the accurate completion of required forms and documentation. 2. Agency or Organization Preparers: In some cases, agencies or organizations may employ individuals who specialize in bankruptcy petition preparation. These individuals, if eligible, can acquire the West Virginia Certificate of Non-Attorney Bankruptcy Petition Preparer — Form 1— - Post 2005 Act on behalf of their organization, allowing them to provide their services to individuals seeking bankruptcy assistance. Regardless of the specific type of preparer, the West Virginia Certificate of Non-Attorney Bankruptcy Petition Preparer — Form 1— - Post 2005 Act affirms that the preparer has successfully completed an approved instructional course and has a thorough understanding of the bankruptcy process. It also ensures that the preparer adheres to strict ethical guidelines and limitations set by the BAP CPA, protecting the rights and interests of the bankruptcy filers they assist. When seeking the services of a non-attorney bankruptcy petition preparer in West Virginia, it is imperative to verify that they possess a valid and up-to-date Certificate of Non-Attorney Bankruptcy Petition Preparer — Form 1— - Post 2005 Act. This certificate is a testament to their professionalism, knowledge, and commitment to providing reliable assistance to individuals in navigating the complex process of bankruptcy in West Virginia.
West Virginia Certificate of Non-Attorney Bankruptcy Petition Preparer - Form 19 - Post 2005 Act
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How to fill out West Virginia Certificate Of Non-Attorney Bankruptcy Petition Preparer - Form 19 - Post 2005 Act?
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FAQ
The means test, which is the Chapter 7 means test, is a formula that uses in bankruptcy law to decide if the debtor is eligible for Chapter 7 bankruptcy. If the debtor fails the means test, the debtor can only apply for Chapter 13 bankruptcy.
The first considers whether the filer's income is below the Chapter 7 income limit, which is the median in the state where the petition is filed. If income is less than the median for the prior six months and there is no reason to assume it will soon increase, the test is passed, and the Chapter 7 filing can proceed.
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.
In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state, and the debtor cannot pass the means test, the court will presume the debtor is attempting to abuse the bankruptcy code, and that the debtor has enough money for a Chapter 13 bankruptcy plan.
Calculation of Current Monthly Income: To begin the means test, debtors calculate their current monthly income, which equates to twice the gross income earned in the six months leading up to the bankruptcy filing.
Make sure the preparer meets legal requirements. For example, don't use one that attempts to give you legal advice, uses the word ?legal? in their advertising or business name, doesn't use a contract for services, or asks you to give them the court filing fees.
Bankruptcy petition preparers are not attorneys. Even the bankruptcy petition preparers who call themselves "paralegals" are not usually supervised by an attorney. They may not represent debtors in any bankruptcy proceeding and they may not give debtors any legal advice.
Will Filing for Bankruptcy in West Virginia Erase My Debts? Bankruptcy wipes out many bills, like credit card balances, overdue utility payments, medical bills, personal loans, and more. You can even get rid of a mortgage or car payment if you're willing to give up the house or car that secures the debt.