Joanna, an individual, wants to file for Chapter 7 Bankruptcy. She meets with an attorney and they review her income and her debts.

Joanna, an individual, wants to file for Chapter 7 Bankruptcy. She meets with an attorney and they review her income and her debts. When comparing the numbers to the state's median income, they show that she has sufficient income to meet her debts. However, paying her debts would require her to change some things about her lifestyle, which she thinks is unfair. Her attorney advises her: