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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. Don't underestimate the power that Missouri and Illinois Chapter 7 bankruptcy has to change the financial future for you and your family.  Stop by my blog :: repossession software ( http://www.repoxr.com )