Bankruptcy courts may consider the debtor’s ability to pay his or her debts when deciding whether it would be an abuse of Chapter 7 to grant the debtor a discharge.  Although “Means Test” is performed to determine whether debtors, with incomes higher than the median income, have an ability to repay their unsecured debts, the bankruptcy court could still find their case abusive if the debtor intends to keep luxury items, such as a camper, boat, trailer, tractor, etc. that, by surrendering the items, would allow the debtor to repay his other debts.  In such cases, it is vital to speak with a knowledgeable bankruptcy attorney.  To schedule a free initial bankruptcy consultation with attorney Matt White, call us today at 480-461-5304.