Strong will is the polite way of saying, "stubborn" 
All I am trying to do is give some perspective, I am not judging, but the red flags are there both in the facts you have presented and in your mind set to it, that there is a high likelihood this case will end up a disaster.
At this point, the better thing to review is your means test, not schedule J. IRS standards only cover a handful of categories, where people blow it on the means test is in the areas that have no IRS standards and they don't understand the limits and how the means test really works.
Maybe your case will be fine, I bet an attorney could make it work as a 7, (it probably is a 7), but thinking you're a chapter 7 and proving it are different things. And that is where pro se debtors drop the ball and get taken advantage of by the trustees. Keep in mind, there is NO ONE in the BK system on your side. The UST, the BK Trustee, the Clerk, the Judge will not advocate for you, so if you screw up a procedure, don't know how to do something, don't file something on time, there is no slack or sympathy in the system.
But I do stand by this statement, You are "choosing" not to hire an attorney, and apparently because you are "strong willed". What's the old proverb, "pride comes before the fall."
All I am trying to do is give some perspective, I am not judging, but the red flags are there both in the facts you have presented and in your mind set to it, that there is a high likelihood this case will end up a disaster.
At this point, the better thing to review is your means test, not schedule J. IRS standards only cover a handful of categories, where people blow it on the means test is in the areas that have no IRS standards and they don't understand the limits and how the means test really works.
Maybe your case will be fine, I bet an attorney could make it work as a 7, (it probably is a 7), but thinking you're a chapter 7 and proving it are different things. And that is where pro se debtors drop the ball and get taken advantage of by the trustees. Keep in mind, there is NO ONE in the BK system on your side. The UST, the BK Trustee, the Clerk, the Judge will not advocate for you, so if you screw up a procedure, don't know how to do something, don't file something on time, there is no slack or sympathy in the system.
But I do stand by this statement, You are "choosing" not to hire an attorney, and apparently because you are "strong willed". What's the old proverb, "pride comes before the fall."
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