Means test note: The Chapter 7 means test compares your income to Alabama's median household income of $32k. If your household income is below this threshold, you likely qualify for Chapter 7 without further calculation.

BLS — Unemployment Census ACS 2023

About Bankruptcy in Selma

Homestead exemption: Alabama provides a homestead exemption that protects certain equity in your primary residence — the amount and applicability depend on whether you claim state or federal exemptions and your residency history.
Personal property: Exemptions for household goods, clothing, and tools of the trade (amounts vary by category).
Vehicle exemption: A specific exemption amount is available for a motor vehicle.
Wildcard exemption: Alabama law includes options that operate like wildcard exemptions permitting protection of cash or other property up to stated limits.

Bankruptcy cases in Selma are filed in the Alabama federal bankruptcy court district. An experienced local attorney can guide you through the process and help you achieve a financial fresh start.