Has anyone had mainly business related debt and if so, what are the rules for passing the means test, and does it still apply if you have 90% business debt. I have been getting differing answers from several attorneys and literature. Some say you still have to pass the means test, and others say, "It is my understanding that if the debt is over 50-60% business related debt, the means test does not apply" Confusing? Yes! Can someone give their experience on this? Thank you!