The final step to determine whether a debtor will be able to file a bankruptcy petition for Chapter 7 or not,is a determination as to whether the debtor has the ability to pay unsecured debts over a three-year period.

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The final step to determine eligibility for filing a Chapter 7 bankruptcy petition involves passing the "means test," which compares the debtor's income to the median income for their state and assesses their ability to pay back debts. It is not solely based on the ability to pay unsecured debts over a three-year period.

The Final Step to Determine Whether a Debtor Will Be