Hoping for a 7 BUT

[CatsInTrouble]

Unfortunately we took out some retirement $$ in August in an attempt to try to keep up. Of course, that puts us JUST over the median income. So we're looking at waiting til March to file so that drops off.

I have a small business, and got a REALLY great client recently- good money. Unfortunately, I'm thinking I may have to let the account go, because she may put us over for March filing, too!

Is this a horrid idea? We really want a 7, and in my line of work, short term projects are pretty common.

[CatsInTrouble]

bump

bump

[keepmine]

It's a tradeoff-which is more important-the business or a Chapter 7.
One thing to consider is, the means test is just part of the quation. You still must have enough income to fund a Chapter 13 if above the median. Nobody can tell how you stand until schedule I nad J are filled out and you see if you have $187.50/month disposable.

[CatsInTrouble]

that's a good point keepmine THanks for the reply. But I am actually pretty sure we WOULD be thought to have enough.