My name is Ron Drescher. I’m an attorney practicing bankruptcy and creditor’s rights in Maryland, Delaware, Pennsylvania and Virginia and today I want to talk about another reason why you may file Chapter 13 and it may just be because you don’t qualify for Chapter 7 because your family income is above the median income of a family for your size in your state. When that happens, you’re going to have to fill out what’s called the long form to talk about your secure debt, your tax debt, your health insurance and other expenses that are going to be deducted from your monthly income. After we do that, we’ll see it’s possible you still may qualify for Chapter 7 but if not, then you’re going to have to file the Chapter 13 case and pay over that net disposable income every month to the Chapter 13 trustee for 60 months. At the end of that 60 months, you’re going to be discharged of all of your debt and that’s really the primary benefit for filing the Chapter 13 case for you. My name is Ron Drescher. I’m an attorney practicing bankruptcy ad creditor’s rights and if your income is above the median income for your state, please pick up the phone and call me. I would love to hear from you.