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.