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I am currently going through a Chapter 7 bankruptcy proceeding. The lawyer added up my monthly income grossing $4600.00 before deductions and netting approx. $2900.00. My expenses added up to approx. $3200.00 per month. Therefore, my discretionary income is a negative $300.00 per month. Would I qualify for the chapter 7 or would the trustee force me to convert to a Chaptor 13 since I do make a decent wage?

Hey, I was just cruising round the internet and found this board. I was wondering why you need to sign up for credit counseling to register for the board?? Or am I just reading the instructions wrong?

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