Experience. Skill. Success. Over 60 Years Of Experience On Your Side

Experience. Skill. Success. Over 60 Years Of Experience On Your Side

Chapter 7 Bankruptcy Lawyers in Hamilton County

Guiding You Every Step of the Way Through the Process

If you are in a position where you are unable to pay your debts, bankruptcy may be the right option for you. It can be challenging to navigate the steps of the process, and you want someone who fully understands the laws to ensure you get the best results. There are different bankruptcy pathways, and they can have different outcomes.

Based on your income, Chapter 7 bankruptcy can result in your property being seized and liquidated to pay off your debts. How much is liquidated and how much you can keep depends on how well you understand the ways in which the law applies to your exact situation.

Means Test for Chapter 7 in Indiana

To qualify for Chapter 7, you must pass the means test. The test checks if your income for your household size falls below Indiana's median. If it does, you automatically pass. Otherwise, your disposable income is checked. If that falls above a certain amount, you cannot file for Chapter 7.

The means test can become complicated if your income falls above the median for the state of Indiana. Our Chapter 7 attorneys can help you with gathering any information you need to prove your income. We can also go over your options in case you do not qualify for Chapter 7, including a Chapter 13 filing.

Indiana Chapter 7 Exemptions

It is important to work with an attorney who knows bankruptcy law well because there can be certain exemptions from liquidation in the Indiana law code you can pursue if your case is handled correctly.


These exemptions include:

  • Money in health savings
  • Money in medical savings
  • Interest in a retirement account
  • Professionally prescribed health devices
  • A disability benefit for a service-related disability
  • Real estate up to an amount specified by the state

To be sure you are getting all of the exemptions you are entitled to, you need someone who has worked with these types of cases and understands the complexities of bankruptcy law. The Hamilton County bankruptcy lawyers at Stoesz & Stoesz, LLC guide our clients through each stage the process while helping them make well-informed decisions

Federal exemptions which are considered in bankruptcy cases include:

  • Retirement accounts
  • Veteran benefits
  • Social Security

There may be more specific exemptions possible based on your situation. It takes knowledge of both federal and state law to know what exemptions are available in your case. You can rely on our Hamilton County bankruptcy attorneys to provide you with the effective advocacy you deserve. We serve individuals across Noblesville, Carmel, and Hamilton County.

Our lawyers have over 60 years of combined experience to help you. For a free consultation, contact us at now and get the help you need.

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