Means Test - Less than 25% of debt

[Dee]

I did the means test and it shows that we would have $129/month disposable income. It says we pass the means test beacause 25% repayment of our debt would be $16,773 and we could only pay $7,711 over 5 years.

So does this mean we'd automatically be eligible for Chapter 7, or can the trustee still force us into a Chapter 13?

[ccsjoe]

Means test is only the initial screening. It means that you can file for CH7, not that it can not be changed at the discretion of the trustee.

[SMinGA]

Still depends on your actual expenses. But in general, as long as your actual expenses show little or no DMI - you're not likely to be scrutinized.