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I'm concerned that if I wait to file I might become employed and then a trustee might conclude that I am making too much money and force me into a chapter 13. Is that a realistic worry? Do they really do that even if you are able to pass the means test? Further info: I pass the means test easily right now. I'm currently living off of my IRA. I do expect to make better money again in the future, but this may not happen soon. I'm probably judgment proof now but probably won't be for too much longer. So I'm trying to decide if I should file now or wait. Thanks for the assistance.