Just so you know, the steps outlined need not be done in the order specified.
Here it can get technical, but lets not belabor the point. What you want to do is pass the Means Test.
What is the Means Test?
The Means Test is the way the Trustee determines whether you are abusing the system or not.
If you pass the Means Test, there is NO PRESUMPTION OF ABUSE.
If you fail the Means Test, there is a PRESUMPTION OF ABUSE. We can deal with this later because it is not a very common occurrence.
Passing the Means Test means your chances of successfully filing and completing a Chapter 7 case are good.
This leads us to the next issue, Do you want to file a Chapter 7 or a Chapter 13 Case?