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In this episode of Fresh Start with Jason Cline, experienced bankruptcy attorney Jason Cline explains the bankruptcy means test—how it works, who qualifies for Chapter 7, and what it means for New Mexico residents struggling with debt. He also clears up common misconceptions, discusses how Chapter 13 can still provide relief, and offers practical advice for anyone considering bankruptcy as a way to start fresh.

Key Timestamps

00:45 – Jason shares his background and why he chose bankruptcy law.
02:10 – Understanding the bankruptcy means test and income calculation.
03:40 – Why Congress introduced the test and how it impacts seasonal earners.
05:00 – What Jason reviews during consultations to determine eligibility.
06:00 – Common myths about income limits and household earnings.
07:30 – How Chapter 13 works when Chapter 7 isn’t an option.
08:30 – Why early clarity matters before filing.
09:30 – Encouragement for anyone afraid to seek help.

About the Show

Fresh Start with Jason Cline helps New Mexico residents navigate financial hardship with confidence. Hosted by attorney Jason Cline, each episode breaks down bankruptcy laws in simple terms and shows how to rebuild life after debt.

The Bankruptcy Means Test: Who Qualifies for Chapter 7 in New Mexico?