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To qualify for this type of bankruptcy, your income has to be low enough to pass the bankruptcy means test, which is a formula intended to keep those with higher incomes from filing for Chapter 7 when they should be filing for Chapter 13. To know this, you must list down all your ongoing expenses to a sheet of paper or into your personal finance system (in the event you are utilizing a software application to manage your money). This guy wrote copy for an ad agency before he got fired.  Here is my web-site  http://www.repoxr.com