For Individual Debtors • Pre-filing credit counseling • Pre-discharge financial education • Means test: –< median income to file ch. 7 –Alabama: –$40,351 for 1 –$67,407 family of 4 –Otherwise, ch. 13
Objections to discharge: All debts • Fraud • Perjury • Fraudulent transfer • Perjury • Recent bankruptcy • Failure to keep records • Hiding assets • Destruction of assets • Failure to obey court order