Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
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You would need to reduce your income to qualify for the means test in order to convert to a 7 and obtain a discharge. Unfortunately that is the only way. If you do not pass the means test, you are not eligible for a Ch 7 discharge.
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I just ran the numbers and see that we do pass the means test-?? My sons schooling was never factored into the plan. Judging by that I'm assuming we might be able to qualify for a 7? Anyway, we will talk to our lawyer- or find another one that can help.