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I would like to file individual Chapter 7 bankruptcy regarding some business credit card debt personally guarenteed for a defunct corporation. I have no other debts I am individually liable for, however my spouse and I own a home we live in together but only my spouse in on the loan. Without this home loan, I would automatically pass the means test because then all of my debts are business not personal. If I had to add this personal home loan to my list of debts, I no longer have primary business debt and would likely not pass the means test based on income. Can I file individual Chapter 7 and not include the home since my name is not on the loan?
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