Bankruptcy with
No Income
Free Consultation Available
Can I File Bankruptcy With No Income?
Can I File Bankruptcy With No Income?
Yes. You can file bankruptcy with no income, and for many people, lack of income actually makes Chapter 7 more appropriate, not less.
Bankruptcy does not require employment — it requires honest disclosure.
Chapter 7 With No Income
Chapter 7 is often ideal when:
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You have little or no income
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You have no significant assets
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You need relief from unsecured debt
No income usually means:
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Easy Chapter 7 qualification
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No monthly payment plan
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Faster resolution
Chapter 13 With No Income
Chapter 13 generally does require income, because:
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Monthly payments must be made
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Feasibility must be shown
Without income, Chapter 13 is usually not viable unless:
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Income will return very soon
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There is strong documentation
Common Situations With No Income
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Unpaid maternity leave
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Job loss
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Medical leave
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Disability waiting periods
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Caregiving responsibilities
These are legitimate — not red flags.
What Still Must Be Disclosed
Even with no income, you must disclose:
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Household contributions
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Benefits
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Assistance from family
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Pending income (if expected)
Transparency is critical.
Key Takeaway
No income does not prevent bankruptcy — it often strengthens a Chapter 7 case.
📞 Call us today for a free, confidential bankruptcy consultation – 855-978-6564 or email us at bankruptcy@ginsburglawgroup.com.
Contact our Bankruptcy Team: bankruptcy@ginsburglawgroup.com
We work with most major legal services and legal insurance plans. Some cover your legal fees for bankruptcy services. Give us a call today to see if your bankruptcy is covered!
BANKRUPTCY TEAM
AMY GINSBURG – aginsburg@ginsburglawgroup.com
GRACIE KLEIN – gklein@ginsburglawgroup.com
NICOLE LOMBARDI – nlombardi@ginsburglawgroup.com
