Although Chapter 7 bankruptcy is the most popular type of bankruptcy relief, not everyone is eligible to file under this chapter. There are several eligibility criteria to qualify for Chapter 7. The most significant is the means test. Under the means test, if your income is above a certain level and the court determines that you have enough income to pay down some of your debts through a Chapter 13 repayment plan (over three to five years), then you can't file for Chapter 7 bankruptcy. Instead, you'll have to file for Chapter 13 bankruptcy.
Below you'll find articles about the eligibility requirements for Chapter 7 bankruptcy, including how the means test works and ways you might qualify for Chapter 7 relief even if your income is high.