Yes, assuming that your income does not disqualify you. One of the 2005 changes to the law was the imposition of a “means test” that involves a complicated calculation to determine the debtor’s ability to repay the creditors. If an analysis of your income and expenses suggests that you have the means to pay off some of your debts, then the law presumes that it would be an “abuse” of the system to give you a full discharge under Chapter 7, and you may be required to file under Chapter 13 and propose a plan for paying off some of your debts over a period of between 3 and 5 years.
- Kight Law sponsors the 9th Annual Give to the Music benefit.
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Kight Law is proud to be a North Carolina debt relief agency.
Rod Kight helps businesses and individuals file for debt relief under the United States Bankruptcy Code.
Kight Law is a North Carolina bankruptcy law firm with offices in Asheville and Waynesville, North Carolina. Rod Kight represents businesses and consumers through bankruptcy all across Western North Carolina, including the cities of Andrews, Asheville, Black Mountain, Brasstown, Brevard, Bryson City, Canton, Cashiers, Cherokee, Clyde, Cullowhee, Dillsboro, Fletcher, Franklin, Glenville, Hayesville, Hendersonville, Highlands, Hot Springs, Maggie Valley, Marble, Mars Hill, Marshall, Murphy, Robinsonville, Sapphire, Sylva, Waynesville, and Whittier, and the counties of Buncombe, Cherokee, Clay, Graham, Henderson, Macon, Madison, Mitchell, Swain, Transylvania, and Yancey.