Do I need to take the means test?

[TomTea31]

So I was reading that you take the means test if most of your debt is consumer debt. Mine is not. It's medical and an accident. I do have lots of student loans but can't bankrupt on them. So Do I take it?

[chrisdfw]

Medical and student loans would both be considered consumer debt if I understand correctly. I think you will need to take the means test

[GIn]

Medical bills for necessary medical expenses - non-consumer debt. Student loans for educational expenses - non-consumer debt. Student loans for living expenses - consumer debt.

[BKAttyMI]

Everyone "takes" the means test, it's part of your bankruptcy petition. Visit a bankruptcy lawyer in your area, your debt is consumer debt.

[OhioFiler]

Unless you were running a business and accumulating debt for it all your debt is consumer debt.

[biotechsolution]

Unless you were running a business and accumulating debt for it all your debt is consumer debt.

income taxes are considered non-consumer debt

[nohoneymoney]

Non-consumer debt is easily identified by the purpose it serves. Most non-consumer debt acts as an investment in the quality of life of an individual, as opposed to consumer debt, which refers to purchases such as automobiles, clothing, vacations and other consumer goods. In most instances, non-consumer debt includes expenses for starting or running a business, necessary medical bills, capital and real estate investments, state and federal taxes and student loans.

We have filed non-consumer BK7 and the means test was left blank. You can be making lots of money and still get a BK7 non-consumer discharge from your debts. Talk to an attorney in your area with BK7 non-consumer filing experience.