Millions of Americans have filed for unemployment in the last 6 months, breaking records left and right, and many are left wondering what their financial future holds under such uncertainty. Even if you are unemployed, and especially if you lost your job because of the coronavirus, a Chapter 7 bankruptcy attorney can help you get back on your feet.

Filing for bankruptcy is not the solution for everyone, but if you are one of the millions of people who lost their job due to coronavirus, exploring your options and consulting with a Chapter 7 bankruptcy attorney could mean the difference in your financial future.

I’m Unemployed – Do I Even Qualify for Chapter 7 Bankruptcy?

To qualify for a Chapter 7 bankruptcy filing, everyone must pass the means test. The means test looks at the last six months of your average income before the filing, and if that income is below the average for a family of your size in the state, you will qualify. So, in this case, being unemployed will make it easier to qualify for Chapter 7 bankruptcy.

It’s important to also ask yourself whether you anticipate more debt to accumulate before you secure new employment, in which case it might be better to wait to file until you can eliminate more debt. Also consider whether new employment would make you ineligible based on your income, despite the mountain of debt, because it may be better to go ahead and file while you are unemployed so you can qualify and start to have your debt reduced.

Do not make the decision to file for bankruptcy before you analyze whether you expect to incur more debt and the worst is behind you, because filers can only receive a Chapter 7 discharge of debt once every eight years. Additionally, only debts owed before you file are eligible to be erased.

What Happens to Assets and Can a Chapter 7 Bankruptcy Lawyer Help Me Keep Them?

When you file for Chapter 7 bankruptcy after being laid off due to the coronavirus, ideally this means your unsecured debts are eliminated or wiped away. These include things like medical bills, personal loans, credit cards, etc. – things to which you have not assigned personal property as collateral.

On the other hand, you are responsible for the debts involving secured assets or collateral, like your car or home if you choose to keep them. Otherwise, they can also be surrendered and ultimately discharged.

Chapter 7 bankruptcy is a unique opportunity to get back on your feet after a coronavirus layoff. Your unsecured and surrendered debts are discharged, eliminating the mountain of payments that seems impossible to escape from under.

Plenty of Room for Error – Call a Professional Chapter 7 Attorney

There are many different moving parts, and a variety of different considerations to keep in mind when considering filing for bankruptcy. A skilled Chapter 7 attorney with CMC Law will be able to assess your situation, debts and creditor requirements, and eligibility for solutions.

If you are like the many Americans across the U.S. struggling to pay your bills after being laid off due to the coronavirus, give our bankruptcy attorneys a call. We’re here to help you get back on your feet! Reach out by phone at (404) 585-0040 or online via our contact form to schedule a call with your Chapter 7 attorney today.


Charles is absolutely a brilliant attorney! He is a critical thinker and determined problem solver. He is very accessible, even via text. If he is in court, his ability to multi-task, you can feel safe and secure in knowing he is handling any issues or concerns. I entrust him with my future, he is a uniquely talented attorney who always challenges himself to achieve the absolute best outcome for his clients.



I was very satisfied with Mr. Clapp services. He is a man of his word and did everything he told me he would. I would highly recommend him.



I came to Mr. Clapp by referral with a complicated case involving both personal and business debts that were out of control. Mr. Clapp evaluated the situation and gave me options that I was not even aware of. He knows his stuff, executed flawlessly, and I have been able to start over. I highly recommend Charles Clapp if you have debt or bankruptcy issues. Listen to his advice, he knows his stuff. I consulted with several other bankruptcy attorneys prior to retaining Mr. Clapp, and they did not have the same breadth of knowledge that Mr. Clapp brought to my case.



I selected Charles Clapp to handle my bankruptcy based on his already positive reviews and I am glad that I did! He was very accommodating to my schedule and made my negative life experience positive. I was actually very surprised how easy he made the process. Life happens and it’s great to be represented by someone that understand that!!! Stop your attorney search with Charles Clapp!!!