This form is a certification and signature of a non-attorney bankruptcy petition preparer. The individual verifies that he/she prepared the bankruptcy petition for compensation. The form also includes the preparer's social security number and address.
West Virginia Certificate of Non-Attorney Bankruptcy Petition Preparer - Form 19 - Post 2005 Act
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How to fill out Certificate Of Non-Attorney Bankruptcy Petition Preparer - Form 19 - Post 2005 Act?
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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.
