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People who don’t pass the initial Component of the suggests examination will require to head to the next Portion of the means examination. If the person doesn’t go the next Element of the implies exam they're going to must file a Chapter 13 personal bankruptcy instead.
Congress didn’t Imagine it really is truthful to permit people who experienced the implies to pay for some in their debts, rather than pay back their creditors again. Hence, individuals which have ample disposable revenue to pay for back some or all their debts will require to enter a Chapter 13 repayment program. Underneath We'll explore how the signifies examination operates.
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