There are exemptions to the Chapter 7 means test.
- If the majority of your debt is business related, you can avoid the chapter 7 means test.
- If you are on active duty in the military, you can avoid the chapter 7 means test.
- There is a second prong to the chapter 7 bankruptcy mean test. If you have enough deductions in qualifying categories you can also file for a chapter 7 bankruptcy.
The easiest way to find out if you qualify is to talk to a bankruptcy attorney. I know it can be scary to share your story, but on a daily basis, my firm helps people like you to file for bankruptcy.