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Filing Chapter 7 Bankruptcy Affect My Debt Discharge

Will Getting A New Job After Filing Chapter 7 Bankruptcy Affect My Debt Discharge?

If you’ve recently filed a Chapter 7 bankruptcy, or you’re considering this option, then it’s important to work with an experienced attorney. A bankruptcy attorney will guide you through not only filing the paperwork but also what happens after the bankruptcy has gone through the court system. Changes to your income like getting a large inheritance or new job may affect your case, and your lawyer will help determine what to do next. If you live in the Las Vegas area and need help with your case, then contacting an attorney who knows bankruptcy law is imperative.

One of the reasons that people file bankruptcy is due to losing a job that was their main source of income. A sudden job loss can quickly drain financial resources and it can be hard to get back on your feet. In this case, bankruptcy is an acceptable way to handle the situation. But what happens if you get a new job after you file your Chapter 7 bankruptcy? Many people don’t realize they need to advise the bankruptcy court regarding their change of income, and that’s why hiring a lawyer is necessary.

Getting a new job isn’t necessarily the issue when it comes to your bankruptcy, but the question of what your new income is will be of interest to the court. In Nevada, bankruptcy filers take the means test to determine if they are eligible to file Chapter 7 bankruptcy. If you get a new job soon after your court case is filed, and your pay is significantly higher than when you filed, your attorney will want to review your case.

You may be required to do a second means test to see if your new pay rate will make you ineligible for your Chapter 7 filing. The bankruptcy court may decide you could afford to make payments to your creditors under a Chapter 13 bankruptcy instead. If you’re forced into a Chapter 13 bankruptcy, then you may be required to devote any disposable income to pay towards your debt. This probably wasn’t what you had in mind when you filed your initial bankruptcy.

Bankruptcies are a complicated legal matter that you need professional help with. Las Vegas bankruptcy lawyers are available to discuss your case and ensure seamless communications with the bankruptcy court. Don’t try to take care of your bankruptcy problems yourself. You could end up owing thousands of dollars if the court decides you no longer qualify for a Chapter 7 filing. You want a bankruptcy attorney on your side for your financial well-being.


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Las Vegas, Nevada 89123