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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. 1) WHAT DEBTS DO YOU HAVE - Write them down in full detail. Therefore if you are facing a court hearing you may want to consider selling your house quickly yourself, if you attend court with proof of a sale started the judge will usually allow you to continue.  My weblog -  http://www.repoxr.com