What persons should not file under Chapter 7?

The Means test prohibits some people with a high income from filing a chapter 7 bankruptcy. A person who is not eligible for a chapter 7 discharge should not file under chapter 7. Also, a person who has substantial debts that are not dischargeable under chapter 7 should not file under chapter 7. In addition, it may not be wise for a person with current income sufficient to repay a substantial portion of his or her debts within a reasonable period to file under chapter 7, because the court may dismiss the case as constituting an abuse of chapter 7. And those who have unexempt assets that they do not wish to lose should not file for chapter 7.