Usually, a Chapter 7 is filed by debtors who just need a fresh start by keeping
the basic neccessities and discharging most, if not all, of their debts.
A Chapter 13 may be filed by a debtor who needs to get caught up on a house payment but
still has enough income to pay at least some of their other debts.
Recent reforms in the bankruptcy law requires debtors to file a Chapter 13 instead
of a Chapter 7 if there is sufficient income to pay at least something to the creditors. A test was developed to determine
whether a debtor has enough income to require a Chapter 13 Bankruptcy. This test is called the "Means Test".
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