It's a new year, and for some, it's a good time to file for bankruptcy to get out from under unmanageable debts. The type of slate-clearing bankruptcy many debtors seek is Chapter 7.
Individual debtors may qualify for filing under Chapter 7, but a means test is involved. The means test determines whether debtors are truly insolvent. Bankruptcy can't be filed in any case if a debtor had a prior petition dismissed because they didn't show up for court or violated the court's orders in the six months prior to this filing.