7 or 13

[Clouddancer]

If you are over the median and over means does that mean your chapter 13? I see a lot of people talking about expenses for chapter 7. When does that come into play? Is it possible to be over both, but real expenses put you in 7???

[jessegirl]

If you are over the median and over means does that mean your chapter 13? I see a lot of people talking about expenses for chapter 7. When does that come into play? Is it possible to be over both, but real expenses put you in 7???

Do you go to any attorney? Or do this on your own? There are certain expenses that you can use as exemtpion for your state. You should really go see an attorney and have him/her do a means test for you if you haven't already.

We are way over the median but when doing a means test, our mortgage is high so that puts us under.

[TEW]

You can be over means (income) and still qualify for chapter 7 with your expenses.
exemptions are for your assets (how much property value you get to keep) If you have a car that's worth $1200 and say your exception is $2000 you get to keep the car.