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Official Form 122A?1Supp, Statement of Exemption from Presumption of Abuse Under § 707(b)(2): This form determines whether you can ?steer clear? from the assumption of abuse because your debts do NOT consist of mostly consumer debts or because you provided a certain military or homeland defense service.

The debt was incurred through fraud, false pretenses, or misrepresentation, such as a person taking on debt with no intent of paying it back. The debt is a credit card debt that was used to pay a nondischargeable debt. The bankruptcy petition was fraudulent or filed to abuse creditors.

An unsecured creditor with a nonpriority claim must be paid at least as much as the creditor would have received had the debtor filed under Chapter 7, and the payments need not be in cash. Nonpriority claims may be paid in cash, property, or securities of the debtor or the successor to the debtor under the plan.

REVISED ? Official Form 122A-1: Chapter 7 Statement of Your Current Monthly Income replaces Official Form 22A-1, Statement of Your Current Monthly Income in cases of individual debtors.

Unsecured creditors who vote for the plan AND execute a trade agreement obligating the creditor to continue to sell goods or services on the same or better terms as provided in the 6 months prior to filing Chapter 11 will be paid 100%.

Only those who have income below the median or who pass the ?means test? are eligible to file for Chapter 7. Among the forms you must complete when your income is above the median income is Form 122A, which tells you whether you pass the means test.