Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
1) The Bankruptcy court does not look at the debtor's debt to income ratio.
2) A debtor must take a "Credit Counseling" course before filing a Bankruptcy, and a "Debt Management" course after filing the Bankruptcy.
Most debtors do take these courses online, and each one takes approximately one hour to complete.
There are many companies that offer these courses, and the one with the lowest fees is DebtorWise.org.
This company charges $25 for the pre-Bankruptcy course and $15 for the post-Bankruptcy course.
3) If the debtor cannot pay a Bankruptcy attorney $1200 or more to fill out and file the Bankruptcy papers, the debtor can instead pay a Bankruptcy preparer $200 to fill out the papers, and the debtor can then file them himself.
Here is a website to find a Bankruptcy preparer:\
4) The Bankruptcy process usually takes 4 - 6 months from the date of filing to the date of discharge.
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Thank you again for your prompt and concise response.