Changes to the Federal Bankruptcy Laws

Serving the bankruptcy needs of businesses and residents in southeast Michigan since 1991, the law firm of Babut Law Offices, PLLC, has helped more than 25,000 families find debt relief. Contact us to schedule a free initial consultation with an experienced and qualified bankruptcy lawyer.

The New Bankruptcy Laws Can Be User-Friendly

In October 2005, new federal bankruptcy laws were enacted under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Contrary to what creditors and collections companies want you to believe, the new bankruptcy laws did not end your right to file for bankruptcy. Rather, the laws established requirements for credit counseling and for means testing.

The means test is simply a tool bankruptcy attorneys must use to determine preliminary eligibility for bankruptcy. It measures your information against median income and family size statistics for the jurisdiction in which you live. However, the results of this assessment do not definitively qualify you or disqualify you to file for personal bankruptcy.

Filing for Chapter 7 Is Still Possible

At Babut Law Offices, PLLC, our attorneys have pushed the envelope on means testing from the beginning. Though some law firms may deem you ineligible to file for Chapter 7, we are willing to work with you. If other attorneys told you that you cannot file because of your income, contact our office.

In southeast Michigan, our lawyers have developed a strong reputation for being knowledgeable, thorough and honest. Our colleagues and communities trust us and often refer difficult cases to our firm. We are honored by their confidence and are committed to providing quality legal services at an affordable price.

Contact Us for a Complimentary Consultation

If you have failed the means test or are unsure if you are qualified to file for personal bankruptcy, contact the law firm of Babut Law Offices, PLLC, to arrange for a free initial consultation. With four locations in southeast Michigan, we provide accessible legal services. Contact us by calling 800-671-8068 or 734-485-7000 or by sending an email message.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.