At Integrity Law Group, we work with individuals and families across Seattle who are navigating financial difficulties and considering bankruptcy as a way forward. If you’re struggling with debt, overwhelmed by creditor calls, or facing foreclosure or repossession, bankruptcy may be the path to a new beginning. But it’s normal to have questions and concerns—especially about whether you qualify.
A common questions we hear is: What disqualifies you from filing bankruptcies? While bankruptcy is designed to be accessible for people in financial distress, there are some important rules and requirements that may impact your eligibility. Our goal is to help you understand those rules clearly and honestly, so you can make informed decisions about your financial future.
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Common Disqualifications for Filing Bankruptcy
While most people who need bankruptcy relief will qualify for some form of it, there are certain situations that can disqualify you, or at least delay your ability to file. Here are some of the most common disqualifying factors.
1. You Filed Bankruptcy Too Recently
Bankruptcy laws limit how frequently you can file. If you’ve received a discharge in a previous bankruptcy, you’ll need to wait before filing again:
- Chapter 7 after Chapter 7: You must wait 8 years from the date of the first filing.
- Chapter 13 after Chapter 13: You must wait 2 years.
- Chapter 7 after Chapter 13: 6-year waiting period (unless you paid all unsecured debts in full).
- Chapter 13 after Chapter 7: You must wait 4 years.
If you’re unsure about your eligibility based on past filings, our Seattle bankruptcy lawyers can help you review your case and determine your options.
2. Failure to Complete Credit Counseling
Before you can file for bankruptcy, you must complete a credit counseling course from an approved agency. If you fail to do this within the required time (usually within 180 days before filing), your case could be dismissed.
We often help clients ensure this requirement is met early in the process, so it doesn’t become a barrier.
3. Bankruptcy Fraud
Bankruptcy fraud is taken very seriously. Hiding assets, lying on paperwork, or transferring property to avoid listing it in your bankruptcy can result in disqualification—and even criminal charges. If you’re worried about past financial activity or unintentional mistakes, speak with a trusted bankruptcy attorney before filing. Our team is here to help you file honestly, accurately, and with full transparency.
4. Too Much Income for Chapter 7
If you’re interested in Chapter 7 bankruptcy, you’ll need to pass a means test to qualify. This test compares your income to the median income for a household of your size in Washington State. If your income is too high and you fail the Chapter 7 bankruptcy means test, you likely still qualify for Chapter 13 bankruptcy, which involves a repayment plan.
We can help you navigate the Chapter 7 means test and determine which chapter best fits your situation.
5. Your Debts Exceed Chapter 13 Limits
On the other hand, if you’re considering Chapter 13 bankruptcy, your eligibility may be limited by bankruptcy debt limits. As of 2025, the limits are:
- Unsecured debts (like credit cards or medical bills): Up to $526,700
- Secured debts (like mortgages or car loans): Up to $1,580,125
If your total debt exceeds these limits, Chapter 13 may not be available—but other legal options could still be on the table. Our attorneys can assess your total debt and guide you to the best strategy.
6. Failure to File Required Documents
The bankruptcy court requires detailed financial documentation, including tax returns, pay stubs, and a full list of assets and debts. If you fail to provide this information—or if it’s inaccurate—your case can be dismissed. But don’t worry: our experienced bankruptcy attorneys will work closely with you to ensure everything is filed properly and on time.
What Debts Can and Can’t Be Discharged?
One of the biggest benefits of bankruptcy is the ability to discharge certain debts—meaning you’re no longer legally required to pay them. This can include:
- Credit card debt
- Medical bills
- Personal loans
- Past-due utility bills
- Payday loans
However, not all debts can be discharged. You may not be able to discharge:
- Most student loans (unless you can prove undue hardship)
- Recent tax debts
- Child support and alimony
- Court fines or criminal restitution
- Debts from fraud or willful injury
Our team will help you understand which of your debts are dischargeable and how best to manage any that aren’t.
Bankruptcy as a Path to Financial Freedom
While these rules and disqualifications may sound intimidating, the truth is that bankruptcy remains an incredibly powerful, accessible tool for most people facing financial hardship. If you’re behind on your mortgage, facing repossession of your vehicle, or juggling more debt than you can handle, bankruptcy can stop the bleeding and give you a real shot at starting over.
Filing for bankruptcy triggers the automatic stay, which immediately halts:
- Foreclosure
- Wage garnishment
- Reposession
- Lawsuits
- Harassing calls from creditors
At Integrity Law Group, we’ve helped countless individuals find relief through bankruptcy—even those who were initially worried they wouldn’t qualify. We don’t believe in one-size-fits-all solutions. Instead, we offer compassionate, personalized support, walking you through every step of the process and helping you build a plan that works for your future.
Let’s Talk About Your Options
If you’re wondering what disqualifies you from filing bankruptcies, it’s likely you’re already feeling the weight of financial stress. We want you to know there is help. Whether you’re worried about income limits, past filings, or overwhelming debt, our experienced Seattle bankruptcy attorneys can give you honest answers and guide you toward the best possible outcome.
We’re not here to judge. We’re here to listen, to support, and to help you move forward.Contact Integrity Law Group today to schedule a consultation with a trusted Seattle bankruptcy lawyer. Let’s explore your options, protect what matters most, and find a fresh start—together.