{"id":2832,"date":"2021-02-04T10:54:00","date_gmt":"2021-02-04T13:54:00","guid":{"rendered":"https:\/\/abogadosmaryland.cyberglobalnet.icu\/?p=2832"},"modified":"2021-07-24T12:21:55","modified_gmt":"2021-07-24T15:21:55","slug":"am-i-eligible-for-chapter-7-bankruptcy","status":"publish","type":"post","link":"https:\/\/abogados-maryland.com\/es\/am-i-eligible-for-chapter-7-bankruptcy\/","title":{"rendered":"\u00bfSoy elegible para la bancarrota del Cap\u00edtulo 7?"},"content":{"rendered":"<p>Decidir si presentarse al Cap\u00edtulo 7 o al Cap\u00edtulo 13 de bancarrota puede ser dif\u00edcil, ya que cada opci\u00f3n tiene sus propias ventajas y desventajas. Antes de tomar una decisi\u00f3n, debe saber que no todos son elegibles para la bancarrota del Cap\u00edtulo 7. Solo las personas que pasen la prueba de medios de la bancarrota ser\u00e1n elegibles para la bancarrota del Cap\u00edtulo 7. Todos los dem\u00e1s solo ser\u00e1n elegibles para la bancarrota del Cap\u00edtulo 13.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es la prueba de medios?<\/h2>\n\n\n\n<p>La <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/bankruptcy-means-test\" target=\"_blank\" rel=\"noreferrer noopener\">prueba de medios de quiebra<\/a> est\u00e1 destinado a quienes tienen deudas de consumo para determinar si tienen ingresos disponibles para pagar sus deudas. La prueba consta de dos partes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Parte 1: \u00bfEst\u00e1 el ingreso de su hogar por debajo del ingreso medio del estado?<\/h3>\n\n\n\n<p>Primero, la prueba determina si los ingresos de su hogar est\u00e1n por debajo del ingreso medio del estado utilizando informaci\u00f3n financiera de los \u00faltimos seis meses. Si sus ingresos est\u00e1n por debajo de la mediana, ha pasado la prueba de medios y podr\u00e1 solicitar la bancarrota del Cap\u00edtulo 7. Seg\u00fan el m\u00e1s reciente <a href=\"https:\/\/www.justice.gov\/ust\/eo\/bapcpa\/20201101\/bci_data\/median_income_table.htm\" target=\"_blank\" rel=\"noreferrer noopener\">gr\u00e1fico publicado por el Departamento de Justicia en 2020<\/a>, en Maryland, el ingreso medio fue de aproximadamente $ 70,964 en hogares con una fuente de ingresos y $ 93,255 en hogares con dos personas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Parte 2: \u00bfEs su ingreso disponible lo suficientemente bajo?<\/h3>\n\n\n\n<p>Si bien la mayor\u00eda de los deudores aprueban la primera parte de la prueba, hay algunos que no la aprueban, pero a\u00fan as\u00ed quieren declararse en bancarrota del Cap\u00edtulo 7. En tales casos, se le permitir\u00e1 deducir ciertos gastos necesarios o \"permitidos\" de sus ingresos para determinar su disponibilidad. Es posible que se deduzcan los gastos estandarizados, as\u00ed como algunos de sus gastos reales. Algunos de estos gastos pueden incluir:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Comida<\/li><li>Ropa<\/li><li>Gastos de cuidado de ni\u00f1os<\/li><li>Costos de desembolso personal del seguro m\u00e9dico<\/li><li>Manutenci\u00f3n de menores \/ manutenci\u00f3n del c\u00f3nyuge<\/li><\/ul>\n\n\n\n<p>Si tiene suficientes ingresos disponibles para realizar pagos a acreedores no garantizados, es posible que no sea elegible para la bancarrota del Cap\u00edtulo 7 y es posible que deba reestructurar sus deudas y realizar pagos despu\u00e9s de solicitar la bancarrota del Cap\u00edtulo 13. Un abogado de bancarrotas en el \u00e1rea de Landover puede ayudarlo a comprender las complejidades de la Prueba de medios y asistirlo con el proceso de presentaci\u00f3n de la bancarrota.<\/p>","protected":false},"excerpt":{"rendered":"<p>Decidir si presentarse al Cap\u00edtulo 7 o al Cap\u00edtulo 13 de bancarrota puede ser dif\u00edcil, ya que cada opci\u00f3n tiene sus propias ventajas y desventajas. Antes de tomar una decisi\u00f3n, debe saber que no todos son elegibles para la bancarrota del Cap\u00edtulo 7. Solo las personas que pasen la prueba de medios de la bancarrota ser\u00e1n elegibles para la bancarrota del Cap\u00edtulo 7. [\u2026]<\/p>","protected":false},"author":1,"featured_media":2843,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[62,61],"class_list":["post-2832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-banruptcy","tag-chapter-7"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Am I eligible for Chapter 7 bankruptcy? - Abogados Maryland<\/title>\n<meta name=\"description\" content=\"Am I eligible for Chapter 7 bankruptcy? 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