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.
