An Example Why Passing the Means Test May Be Easier in 2018
Filing bankruptcy before the end of December may help you qualify for Chapter 7 bankruptcy. Here's an example showing how this could work.
Pass the Means Test by Filing Bankruptcy in 2018
The timing of your bankruptcy filing can determine whether you qualify for quick Chapter 7 vs. paying into a Chapter 13 plan for 3-5 years.
Timing Can Be Crucial for Passing the Means Test
With smart timing you can take advantage of the unusual way that your "income" is calculated for the Chapter 7 means test.
The Business Debt Exemption from the Chapter 7 “Means Test”
If your debts are not "primarily consumer debts" then you may be able to qualify for Chapter 7 bankruptcy much more easily.
Making Sense of Bankruptcy: The Truth about Qualifying to File a Chapter 7 Case
The reality is that most people who want to file a "straight bankruptcy" Chapter 7 case can do so; if not, Chapter 13 may be better anyway.