Who should not file a chapter 7 case?

A person who is not eligible for a chapter 7 discharge should not file a chapter 7 case.  Also, in most instances a person who has substantial debts that are not dischargeable under chapter 7 should not file a chapter 7 case.  In addition, it is not usually advisable for a person with disposable income sufficient to make the required minimum payments to unsecured creditors to file a chapter 7 case, because a presumption of abuse will arise and the case will probably be dismissed or converted to chapter 13. 

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