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<nav><div class="container"><a class="brand" href="/">Tennessee Bankruptcy Guide</a><div class="links"><a href="/">Home</a><a href="/memphis/">Memphis</a><a href="/nashville/">Nashville</a><a href="chapter-7.html">Chapter 7</a><a href="chapter-13.html">Chapter 13</a><a href="exemptions.html">Exemptions</a><a href="cost.html">Cost</a><a href="faq.html">FAQ</a><a href="https://openbankruptcyproject.org">OBP</a></div></div></nav>
<nav aria-label="Breadcrumb" class="breadcrumb-nav"><a href="https://1328f.org">Home</a><span class="separator">›</span><a href="https://tennesseebankruptcy.org">Tennessee Bankruptcy Guide</a><span class="separator">›</span><span>Disqualifications</span></nav>
<div class="hero"><div class="container">
<h1>Bankruptcy Disqualifications in Tennessee</h1>
<p class="subtitle">Not everyone qualifies for bankruptcy relief. Understanding the disqualifications can help Tennessee residents plan their filing strategy.</p>
</div></div>
<div class="container">
<div class="disclaimer">This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation.</div>
</div>
<section><div class="container">
<h2>Filing Bars: When You Cannot File</h2>
<div class="card">
<h3>Prior Discharge Time Bars</h3>
<table>
<tr><th>Prior <a href="https://bankruptcydischarge.org/" title="discharge">Discharge</a></th><th>New <a href="https://whatischapter7.com/" title="Chapter 7">Chapter 7</a></th><th>New <a href="https://chapter7vs13.org/" title="Chapter 13">Chapter 13</a></th></tr>
<tr><td><a href="https://whatischapter7.com/" title="Chapter 7">Chapter 7</a></td><td>8 years</td><td>4 years</td></tr>
<tr><td><a href="https://chapter7vs13.org/" title="Chapter 13">Chapter 13</a></td><td>6 years*</td><td>2 years</td></tr>
</table>
<p style="font-size:0.9rem;color:#8b949e;margin-top:8px">*The 6-year bar for Ch.13-to-Ch.7 is waived if you paid 100% of unsecured claims or at least 70% in a good-faith plan.</p>
<p>Use the <a href="https://1328f.com">1328(f) Screener</a> to calculate your exact eligibility dates.</p>
</div>
</div></section>
<section><div class="container">
<h2>Grounds for Denial of Discharge</h2>
<div class="card">
<p>Under 11 U.S.C. section 727(a), the court can deny your Chapter 7 <a href="https://bankruptcydischarge.org/" title="discharge">discharge</a> entirely if:</p>
<ul>
<li><strong>Concealment or transfer of property</strong> with intent to defraud within 1 year before filing or during the case (section 727(a)(2))</li>
<li><strong>Destruction or concealment of records</strong> relating to your financial condition (section 727(a)(3))</li>
<li><strong>Perjury or false statements</strong> in connection with the case (section 727(a)(4))</li>
<li><strong>Failure to explain</strong> loss of assets or deficiency of assets (section 727(a)(5))</li>
<li><strong>Failure to complete</strong> the post-filing financial management course (section 727(a)(11))</li>
<li><strong>Prior discharge</strong> within the applicable time period (<a href="https://727a8.com/" title="Section 727(a)(8)">section 727(a)(8)</a> and (a)(9))</li>
</ul>
</div>
</div></section>
<section><div class="container">
<h2>Credit Counseling Requirement</h2>
<div class="card">
<p>You cannot file bankruptcy in W.D. Tenn., M.D. Tenn., and E.D. Tenn. without first completing a <a href="https://bankruptcyfreshstart.org/" title="credit counseling">credit counseling</a> course from an approved provider within 180 days before filing. There is no exception except:</p>
<ul>
<li>Exigent circumstances that merit a waiver (very rarely granted)</li>
<li>The approved providers for your district are unable to provide services (almost never happens)</li>
</ul>
<p>Courses can be completed online, by phone, or in person and typically take about one hour. A second course (debtor education / financial management) is required after filing but before discharge.</p>
</div>
</div></section>
<section><div class="container">
<h2>180-Day Dismissal Bar</h2>
<div class="card">
<p>Under 11 U.S.C. <a href="https://109g.org/" title="Section 109(g)">section 109(g)</a>, you cannot file a new bankruptcy petition if a prior case was dismissed within the past 180 days for:</p>
<ul>
<li>Willful failure to obey orders of the court</li>
<li>Willful failure to appear before the court</li>
<li>Filing a motion to dismiss after a creditor requested relief from the <a href="https://automaticstay.org/" title="automatic stay">automatic stay</a></li>
</ul>
<div class="warn-box">If you have had a recent <a href="https://dismissedbankruptcy.org/" title="dismissal">dismissal</a>, count the days carefully. Filing before the 180-day period expires can result in immediate <a href="https://dismissedbankruptcy.org/" title="dismissal">dismissal</a> of the new case.</div>
</div>
</div></section>
<section><div class="container">
<h2>Means Test Disqualification (Chapter 7 Only)</h2>
<div class="card">
<p>If your income is above the Tennessee median and you do not pass the <a href="https://meanstest.org/" title="means test">means test</a> expense deductions, you cannot file Chapter 7. Your options are:</p>
<ul>
<li>File Chapter 13 instead (no income ceiling)</li>
<li>Wait until your income drops (e.g., job change, retirement)</li>
<li>Recalculate after 6 months if a high-income period falls out of the lookback window</li>
</ul>
</div>
</div></section>
<section><div class="container">
<h2>Frequently Asked Questions</h2>
<details class="faq-item"><summary>What disqualifies you from filing bankruptcy in Tennessee?</summary><div class="answer"><p>You may be disqualified from bankruptcy if: you did not complete <a href="https://bankruptcyfreshstart.org/" title="credit counseling">credit counseling</a>, you received a recent prior discharge (8 years for Ch.7-to-Ch.7, 4 years for Ch.7-to-Ch.13, 6 years for Ch.13-to-Ch.7, 2 years for Ch.13-to-Ch.13), you committed fraud, your prior case was dismissed within 180 days for cause, or your income is too high for Chapter 7 and debts exceed Chapter 13 limits.</p></div></details><details class="faq-item"><summary>Can I be denied a bankruptcy discharge?</summary><div class="answer"><p>Yes. Even if you are allowed to file, the court can deny discharge for cause under section 727(a). Grounds include concealing assets, destroying records, committing perjury, failing to explain loss of assets, or failing to complete the financial management course.</p></div></details><details class="faq-item"><summary>What happens if my bankruptcy was recently dismissed in Tennessee?</summary><div class="answer"><p>If a case was dismissed within the past 180 days for willful failure to obey a court order, appear before the court, or properly prosecute the case, you cannot file a new case immediately. Additionally, repeat filings within one year can limit or eliminate <a href="https://automaticstay.org/" title="automatic stay">automatic stay</a> protection.</p></div></details>
</div></section>
<div class="container">
<div style="text-align:center;padding:40px 0">
<h2>Check Your Eligibility Now</h2>
<p>Our free screener checks prior filing bars and time limits instantly.</p>
<a class="cta" href="https://1328f.com" style="margin-right:12px">Discharge Screener</a>
<a class="cta" href="https://bankruptcymeanstest.org" style="background:#1f6feb">Means Test Guide</a>
</div>
<div class="container">
<div class="network">
<h3>Browse Other States</h3>
<div class="network-links">
<a href="https://alaskabankruptcy.org">Alaska</a>
<a href="https://arkansasbankruptcy.org">Arkansas</a>
<a href="https://coloradobankruptcy.org">Colorado</a>
<a href="https://delawarebankruptcy.org">Delaware</a>
<a href="https://georgiabankruptcy.org">Georgia</a>
<a href="https://illinoisbankruptcy.org">Illinois</a>
<a href="https://iowabankruptcy.org">Iowa</a>
<a href="https://marylandbankruptcy.org">Maryland</a>
<a href="https://minnesotabankruptcy.org">Minnesota</a>
<a href="https://missouribankruptcy.org">Missouri</a>
<a href="https://ohiobankruptcy.org">Ohio</a>
<a href="https://rhodeislandbankruptcy.org">Rhode Island</a>
<a href="https://tennesseebankruptcy.org">Tennessee</a>
<a href="https://vermontbankruptcy.org">Vermont</a>
<a href="https://openbankruptcyproject.org/states.html">View All States →</a>
</div>
</div>
<div class="network">
<h3>Open Bankruptcy Project Network</h3>
<div class="network-links">
<a href="https://openbankruptcyproject.org">OBP Home</a>
<a href="https://1328f.com">1328(f) Screener</a>
<a href="https://chapter7vs13.org">Ch. 7 vs 13</a>
<a href="https://automaticstay.org">Automatic Stay</a>
<a href="https://341meeting.org">341 Meeting</a>
<a href="https://bankruptcymeanstest.org">Means Test</a>
<a href="https://howmuchdoesbankruptcycost.com">Cost Guide</a>
<a href="https://bankruptcydismissed.com">Dismissed?</a>
<a href="https://filebankruptcyagain.com">File Again?</a>
<a href="https://howtofilebankruptcy.org">How to File</a>
</div>
</div>
</div>
<!-- Related Tennessee Bankruptcy Resources -->
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<p style="color:#f0f6fc;font-weight:700;font-size:1.05rem;margin:0 0 0.75rem 0">Related Tennessee Bankruptcy Resources</p>
<ul style="list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:0.5rem">
<li><a href="/" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Tennessee Bankruptcy Guide</a></li>
<li><a href="/chapter-7.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Chapter 7 in Tennessee</a></li>
<li><a href="/chapter-13.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Chapter 13 in Tennessee</a></li>
<li><a href="/exemptions.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Tennessee Exemptions</a></li>
<li><a href="/cost.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Bankruptcy Cost in Tennessee</a></li>
</ul>
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<p>An <a href="https://openbankruptcyproject.org">Open Bankruptcy Project</a> resource</p>
<p>Data sourced from the <a href="https://www.fjc.gov/" rel="noopener" target="_blank">Federal Judicial Center</a> Integrated Database (2008--2024).</p>
<p>This site provides general information, not legal advice. Consult a qualified attorney for your specific situation.</p>
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