Even if a debtor qualifies under the median or means test,Chapter 7 relief may be denied by the court because of bad faith,or after examining the:

Question

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The phrase "totality of the circumstances" is commonly used in bankruptcy law to refer to the various factors that a court may consider when determining whether granting Chapter 7 relief would be in line with the goals and purposes of the law. These factors might include a debtor's income, expenses, debts, assets, and overall financial situation, as well as any evidence of fraud or abuse. While other answer choices use similar language, "totality of the circumstances" is the most commonly used phrase and the one that is most closely associated with this concept.

Even If a Debtor Qualifies Under the Median or Means