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St Louis Bankruptcy: How Frequently Can I File A Chapter 7?


The Bankruptcy Code makes clear that you can only file a St Louis Chapter 7 every eight (8) years. But even if such a period of time has passed since the last time you filed a case, you still have to qualify via the Means Test. The timeframe and Means Test are discussed below.

As mentioned above, you may file a Ch7 every eight years. So if you filed a Chapter 7 in 2011, the next time you would be able to move towards such a filing again would be some time in 2019. However, there is the Means Test that must be dealt with as well.

The Means Test is really just a calculation created by Congress to determine whether you are above or below the median income level (for you particular household size). So for instance, let’s say you are a household of four (4): you and your spouse, and two minor children. According to the state of Missouri (and the federal government), the average (or median) income for a household of four is: $72,711. So if your household income is less than that, then you most likely will pass the Means Test (and be able to file a St Louis Chapter 7).


So would do we mean when we say “total household income”? It literally means income from all sources. This would include wages from your job, unemployment benefits, social security income, food stamps, retirement benefits, and business income (to name the most common). All of this income must be disclosed in order to determine if you are above or below the median income level.

What happens if you are above the median? Then you would have to do a St Louis Chapter 13. This is described as a repayment plan over the course of three (3) to five (5) years (during which certain debts are paid back). A Ch13 has some very good benefits that a Ch7 does not (so it’s not the end of the world if you are above the median).

The affordable St. Louis bankruptcy attorneys at The Bankruptcy Company have been saving and protecting people’s assets for years. Our goal is to make sure that you keep the assets and property you want, discharge the debts that you want to get rid of, and do it all at an affordable cost to you. All phone conversations and office consultations are free of charge.

We have one location by appointment only: 4625 Lindell Blvd St. Louis, MO 63108. The initial consultation to discuss your debt related issues is free of charge. So contact us today to learn more!!

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