06/16/2026
If you are considering a Chapter 7 bankruptcy to wipe out credit card or medical bills, you will likely need to take the "Means Test." This is a calculation used by the court that compares your household income to the median income in Maryland. Even if your income is above the median, specialized deductions for housing, transportation, and health insurance can still help you qualify. Grafton Firm, LLC carefully analyzes your finances to determine the safest and most efficient path to your fresh start. Contact us to discuss which bankruptcy chapter fits your goals.