Filing for bankruptcy is a difficult decision to make, but it is not a process you need to go through alone. The Biddle Law Firm assists our clients in filing a Chapter 7 bankruptcy or liquidation or discharge of your debts. There is a means test that must be passed to qualify. However, if you meet certain thresholds based on income and the size of your family, a means test is not necessary. Even if you do not pass the means test, you can still qualify for Chapter 13 bankruptcy. If you have a severe delinquency on a mortgage or car payments, we will discuss options. Loans that have been cosigned will be included as well, but the bank will likely pursue repayment from the cosigner. If a married couple is facing the prospect of Chapter 7 bankruptcy, one person can file bankruptcy and have the marital debt discharged and taken against the marital assets while the other spouse is able to preserve their possessions and maintain a better credit record. If you decide you retain our firm to represent you, we will pull your credit report from all three bureaus with the bankruptcy notice addresses of all your major creditors. We then prepare your petition and schedules and add creditors as necessary.