We do not pass the means test for a chapter 7 because our income is too high, but we would not be able to pay 25% of our unsecured debt off in 5 years. Our unsecured debt limit is above the limit to be eligible to file for a Chapter 13. Is there any way that we might be able to qualify for a Chapter 7 due to the fact that we don't qualify for ch 13 and the fact that we would not be able to pay 25% x 5 years to unsecured creditors?
Our other option is an individual chapter 11 case, but we cannot afford the filing fees/lawyer fees and I have read that the chances of completing a ch 11 is really low. I am just wondering if we have a chance at filing ch 7 even though we do not pass the means test because we do not qualify for a ch 13.