Can I file Chapter 7 bankruptcy if I have a job?

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.

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