Some people are ineligible for chapter 7 due to a “means test” that was created by congress. The test is complex, but we have a ton of experience in applying it. If it is possible to get you into chapter 7 then we will find a way. Some people just simply make too much money to qualify for a chapter7. If that is the case, we will prepare your options for chapter 13. If you don’t like your chapter 13 options, then you don’t have to move forward with a bankruptcy case.