We are unable to pass the means test and have over 200000 in secured and unsecured business debt should we file chapter 13 or just wait it out?

Check with your lawyer again - generally you are not subject to the Means Test if most of the debt is commercial debt. Check the top of the Means Test form (Form 22), I believe there is a checkbox that says something like "Mostly non-consumer (i.e. Commercial/business) debt, means test not applicable Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts and law, which I do not warrant, and I am not suggesting any course of action or inaction to any person.

Speak to a lawyer for specific advice. If you have any questions, please refer to a lawyer in your jurisdiction. Thanks!

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