The federal bankruptcy statute governs all personal and commercial bankruptcies. According to the statute, you have to "qualify" for a Chapter 7 bankruptcy. There is a maximum household income level based on the amount of people living in your household. Additionally, even if you are below that income level, if you have too much disposable income, measured as income minus necessary monthly expenses, the trustee can contest your discharge as an abuse. In this case, a hearing could be held.
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