hat
Si lajan médian ou gen plis pouvwa pase sou revni médian eta w, ou ka chwazi pou ranpli chapit 13 bankwout ak yon plan repeye senk ane. Yon bankwout chapit 7 ak yon revni pi konsekan pase medyàn eta a ka mete si ou dwe se pwèske dafè pou konsomatè dèt ou koule tès lan te vle di. Si ou sou revni pi ba pase medyàn eta a lè sa a, ou otomatikman pa prezante ou vle di tès lan. Mwayen sa a si w chwazi chapit 13 bankwout plan repeye ou pral pon sèlman twa ane sa yo. Ou pral pa pran angajman pou depans tout lajan revenu ou pou yon plan repeye senk ane.
eng
If your median income is greater than the median income for your state you may chose to file chapter 13 bankruptcy with a five year repayment plan. A chapter 7 bankruptcy with an income greater than the state median may be dismissed if your debt is mostly consumer debt and you flunk the Means Test. If your income is lower than the state median then you automatically fail the Means Test. This means if you choose chapter 13 bankruptcy your repayment plan will only span three years. You will not be committed to spending all of your disposable income to a five year repayment plan.