Hello and thank you for having a place like this for people like me to come and feel like we are not alone. I lost my job about two months ago and have come to the conclusion that it is time to think about filing for chapter 7. I am about $25000 in unsecured debt and without a job I can no longer pay. I have spoken to an attorney and she said that I am a prime candidate for chapter 7. I however am very analytical and just want to make sure, I have found that information in the internet can be very contradicting. So I have landed here and would like some advice. I have a family of 4 and fall way below them means test located on legalconsumer.com. My wife works but only makes about 800 a month and currently I am unemployed so a chapter 7 makes since but from reading on the net really the only thing that matters is passing the Schedule I Vs J ( the means test only tells me that I can qualify for chapter 7 not that I can do a chapter 7 ).
My question is that when I get a job what will the trustee look at, what I am making at time I file or the last six months. I also would like to know what type of expenses can I put on the schedule J for Arizona, I can't seem to find them on the internet. By the way even when I get a job we will fall short of the means test by $30,000 so I am sure I will qualify for chapter 7 but my worry is that I may have a little disposable income if I can not get my J to match my I. Any help would be very much appreciated. All I am looking for is a fresh start, a chance to start over and do it right this time no debt...
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