You are correct that if most of your debt is not "consumer debt," then you do not have to pass the means test (11 U.S.C. sec. 101(8)). As for the reason why your attorneys have allegedly ignored this issue:
1. They don't know the law on the subject matter;
2. They have a rationale of which neither you nor I are aware;
3. They don't want to hassle with "difficult" bankruptcy cases, because the client won't be able to pay the bill for the additional requred litigation.
My opinion is that #3 is likely the answer. Consumer bankruptcy attorneys know that the client is on the ropes financialy, and so they seek to minimize the potential legal issues. A means test calculation is easy if everything is consumer debt. But, the dividing line between consumer and nonconsumer debt is amorphic and subject to potential litigation -- and the typical bankruptcy attorney may simply tell the debtor to do something to remove the likelihood of this litigation issue -- in anticipation that if the debtor cannot do so, then he/she will just go away, leaving the attorney with easier cases that will generate the same amount of revenue.
I know of bankruptcy attorneys who will automatically turn away any case where there is a business component, because their experience is that the debtor will never pay the attorney's fees, due to their ever-mounting costs.
Hope this helps.
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