My question involves bankruptcy in the state of: NC
I have run into some financial hard times and I know that there have been changes made to the bankruptcy laws.
My question is do I qualify for a chapter 7? I have heard about the means test and also the state median income. I am not sure what the state median income is for NC but, I earn between 50 and 60k yearly. I am also the only person in the household. I was told that I don't qualify for 7 and that 13 is what I need to do...
If go 13, I will loose one house and credit cards, downsize back into my rental property, keep my car, motorcycle and have a mortgage that is $600 a month less than what I am paying currently.

