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You cannot have filed a Chapter 7 bankruptcy within the prior 8 years. You have to get a credit counseling certificate. This can be done over the telephone or on the internet. See our list of agencies authorized to provide this credit counseling. In order to do a Chapter 7 bankruptcy, your income cannot exceed what is called the median income unless you come within certain exceptions. See the tab on median income. This varies with the size of your family and, to some extent, whether you live in Iowa or Nebraska.