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Three basic factors if you’re a good candidate. What’s your income, your household income? What kind of debt have you got?

Chapter 7 is a liquidation, meaning cut and run. You can just walk away from those debts. You don’t have to liquidate in Chapter 7.

Use IRS standards for your expenses, we want everything to come out to about zero to 100 in disposable income per month.

Ideally, for a Chapter 7 liquidation, you want unsecured debt, meaning it’s not tied to collateral, meaning there’s not a car or a home.