Bankruptcy is not an easy matter. > One factor in considering whether the U.S. Trustee can prevail in a challenge to the debtor's Chapter 7 filing is whether t

Bankruptcy is not an easy matter. > One factor in considering whether the U.S. Trustee can prevail in a challenge to the debtor's Chapter 7 filing is whether the debtor can otherwise afford to repay some or all of his debts out of disposable income in the five year time frame provided by Chapter 13. If so, then the U.S. Trustee may succeed in preventing the debtor from receiving a discharge under Chapter 7, effectively forcing the debtor into Chapter 13. https://en.wikipedia.org/wiki/Chapter_7,_Title_11,_United_States_Code#For_individuals https://en.wikipedia.org/wiki/Chapter_7,_Title_11,_United_St... You really don't want to give a Federal officer the power to decide you have too much disposable income for the next five years.