Consulate a competent bankruptcy attorney who can assess your financial situation and help you decide the right thing to do.
To qualify for a chapter 7, the primary test you must pass is the means test. There are other tests, such as the residency test, etc. The means test examines the size of your household and applies a certain annual gross income threshold figure to see if you qualify. The judge doesn't ask you questions; it is a trustee who you go before. He or she will ask basic yes/no type questions such as "Have you paid any one creditor more than $600 total in the 90 days before you filed bankruptcy?" Also, "Have you paid back any relatives in the past year?" Also, "Has someone passed away where you may be entitled to inherit?" Your bankruptcy attorney can answer all these questions more fully as well. I hope this helps you.
