Use the Means Test in Chapter 13 and 7 Bankruptcy for a Personal Advantage:

You may use most of the same powerful tactics used by by banks, Fortune 500, Wall Street insiders and city governments. These sophisticated bankruptcy tools are available to anyone who truly wants to live debt free. You may use bankruptcy Chapter 7 or bankruptcy Chapter 13. You may use one or or more of many other options. Once you know what to do, fast, safe and profitable results are easily within your grasp.

Dave Clark

Dear Friends:

My name is Dave Clark and I want you to know that your current financial situation is merely a starting point. You should not dread the Chapter 7 or Chapter 13 bankruptcy means test. In fact, you can use this tool for a decisive advantage.

My 2014 Bankruptcy Strategies Manual will show you exactly how you too can beat the means test and wipe out your debts.

You have an amazing variety of options provided by law. You have easy alternatives for cutting credit card payments in half without filing bankruptcy. You have extremely powerful and unquestionable rights provided by the US Bankruptcy Code that no creditor can deny.

You may be able to stop making credit card payments today. You could wipe out all debts in less than four months with personal bankruptcy and keep everything you own.

Use your options wisely. Consequences follow. I want you to know how to win with little risk and great rewards. I want you to know how, when and why you may choose to change the results of the Chapter 7 bankruptcy means test. These same techniques are equally advantageous if choosing Chapter 13.

I invite you to consider a proven over-arching strategy to resolve financial problems. You may or may not be best served by filing personal bankruptcy. I believe everyone should seek and demand a beautiful solution that protects you, your family and the ones you love.

This solution will insure that your financial security remains in tact and net worth increases steadily.

It's okay to be excited about wiping out all of your debts. Your ultimate solution will guarantee your future investments grow for years to come beyond the reach of almost all creditors.

What You Can Do Now

  • Compare all options before making decisions: Choose among almost unlimited options both with and without filing personal bankruptcy. Discover which options work best for you -- down to the last penny -- using worksheets and instructions. Once you know all long-term costs and benefits, your best option will leap out at you.
  • Use the means test for personal advantage: This test determines if you qualify for Chapter 7 and Chapter 13. If you earned too much in the past, you cannot file Chapter 7 today even if you are unemployed. Without a regular income or sufficient income, you cannot file Chapter 13. However, there are solutions.
  • Take the Means Test at home, for free, and get spectacular results.
  • Use proper timing: You can file personal bankruptcy too quickly or too slowly which will needlessly cost you exempt property.
  • Get maximum results in record time, without wasting time or money.
  • Use attorney fee caps effectively: Find out how to interview, select and manage attorneys for the best results. Not all attorneys are equally matched. Not all attorneys charge the same rates. Find out how to manage attorney fees easily while receiving excellent representation.
  • Prepare for personal bankruptcy: All transactions before personal bankruptcy are suspect. Find out how to use your available funds safely to keep all property owned, eliminate priority debts, and maximize the discharge of all debts.
  • Know in advance how much you will save: Calculate how much you will spend, how much you will save, and your probable net worth in five years.
  • Avoid personal bankruptcy: You must understand the benefits and burdens associated with all alternatives to make a rational decision. Finding your best option will be easy.
  • Know what to do while a bankruptcy case is pending: Jump-start life after bankruptcy and wealth building plans.
  • Ultimately, wipe out all debts and keep all property you own: Stop the nonsense. Protect your future. Begin rebuilding financial strength and security within months.
  • Avoid all of the hassels that most people face when filing.

With a little help, you can claim your rights guaranteed by the U.S. Constitution and the U.S. Bankruptcy Code and perhaps avoid personal bankruptcy altogether. However, if you do file, demand the greatest benefits possible. If you pay the price, you deserve the benefits.

My net worth jumped from -$85,000 to +$38,000 in four months using personal bankruptcy and my debt payments dropped to nothing.

Marion C.
Tallahassee, FL

I didn't know I could file both chapters, but Chapter 13 personal bankruptcy helped me pay off back taxes then I discharged remaining debts, all in less than a year.

Jasper W.
Tulsa, OK

Thanks Dave, your personal bankruptcy strategies saved me more than $19,000. Your worksheets and instructions were great.

Brie M.
Chicago, IL

By paying some of my bills the right way and ignoring others, I avoided Chapter 13 and discharged $42,498 in debt in less than 5 months. My total attorney fees were less than $800.

Anthony D.
Alexandria, VA

Using Dave Clark's personal bankruptcy strategies, I saved more than $50,000 in wasted payments everyone else told me I had to make.

Donald M.
Denver, CO

Don't let anyone tell you that you have to file Chapter 13. You have options! You better check out all of your options first.

Shelly S.
Memphis, TN

My IRS problems were killing me, but in only 14 months, all of my taxes are paid and I have more than $36,500 in savings with no debts.

Paula L.
Los Angeles, CA

Should You Listen?

Practicing law is not a science even though applying black-letter law. There is always a little room to maneuver when appearing in court, differences in attorney abilities, and small biases and preferences that influence each judge's rulings.

Add a high level of experience over 25 years, and these opportunities become highly profitable and predictable. When you know an outcome in advance, you are not gambling, you are an expert with a decisive advantage. Experience is the key to exploiting these advantages.

You too could probably go to law school and practice law for 25 years. At this point, after representing over 10,000 clients, you too would know with a high degree of certainty what, when, and how to claim maximum advantages using both Chapter 7 and Chapter 13.

I graduated with a B.S. degree in Economics and a minor in Finance. I worked as bank examiner for several years before going to law school. Once graduating law school with honors in 1984, I accepted a job as an associate in large metropolitan law firm and represented some of the wealthiest corporations in the U.S. and throughout the world. However, after seven years, a growing sense of disappointment haunted me daily.

I knew the attorneys representing large banks and corporations. I was one of them and knew intimately their level of expertise and tactics.

I escaped and immediately fell in love. I found my true calling: Practicing law with a true hand. I opened my firm and worked desperately to represent all people equally. I committed to practice law as if everything I did appeared on the front page of newspapers nationwide. This changed my life dramatically.

I grew as a person and embraced an indisputable truth: People's lives matter much more than paper.

My love for the law and this same purpose still drive me. I smile often. I remain more committed than ever before. I want to share the secret of financial freedom and the realization of my dream with you.

Compare Your Personal Options

Every person coping with a financial problem has extraordinary options. Powerful options. Your options are almost unlimited. The best results do require a solution designed with the end game in mind. You may want to compromise your personal options in one area to maximize another to achieve the best overall outcome. With one over-arching strategy supported by many complementary tactics, your best results can be virtually guaranteed.

The best way to see your potential end result, in advance, is to use a common measure. You may even want to combine the most profitable benefits and advantages of the following alternatives:

  • Consumer Credit Counseling - the free course required as a condition of filing bankruptcy (certificate of completion required). They will try to create a monthly budget that pays all of your debts and bills
  • Debt Management Plans - a low cost service for renegotiating interest rates and penalties owed on unsecured debts
  • Debt Settlement Plans - a more aggressive service for settling unsecured debts for a percentage of the principal due, with payment spread out over several years
  • Debt Consolidation Loans - new loans requiring new approval to combine debts (Many dangers here)
  • Home Equity Loans - new loans using your home as collateral to pay off other debts (Many great dangers here)
  • Personal Chapter 7 Bankruptcy - the complete discharge of most debts without payment of any kind
  • Personal Chapter 13 Bankruptcy - the discharge of debts after making partial payments over three to five years
  • Personal Chapter 11 Bankruptcy - both discharge and reorganization of debts in a plan of five years or more
  • Private Debt Negotiation - The individual settlement of debts yourself or with the assistance of an attorney
  • Litigation of Select Debts - Invalidating or settling debts through the civil legal system (without filing bankruptcy), with rights of discovery, deposition and jury trial to resolve disputes

In the personal bankruptcy strategies manual, you will discover the advantages and disadvantages of each of these alternatives. In some cases, using four or five of these alternatives creatively will maximize your end result. You will also find the included worksheets and instructions are intentionally designed to help you find your ultimate solution.

You will see, in dollars and cents, how each of these alternatives can help. You should complete worksheets in the privacy of your home to discover your best option. You will know, with a high degree of certainty, how much you will potentially save using each option. No more guessing. No more excuses. You will know how each option will change your life.

You will create a side-by-side comparison of your expected results over five years. This should be your common measure when comparing your costs, benefits, advantages and disadvantages. A five year period equalizes differences in possible options and is essential. Once you know what to do (using included instructions and examples), completing the worksheets is easy by design.

There is no reason why most people cannot use all of these alternatives as they see fit. We are all free to combine options and alternatives to design a profitable solution.

Timing Is Critical

Simply knowing that you have alternatives is not enough. You must use your options at the proper time and in the proper sequence. Unfortunately, many people procrastinate with the best intentions. However, as time slips away, many good people with high hopes lose the ability to keep all of their exempt assets and discharge all debts.

Start early. A few weeks or a few months following these tips will change your personal results with striking improvement.

The best time to compare your personal options is when you first have problems paying your monthly bills. At this point, you may be able to avoid personal bankruptcy altogether, but also maintain all bankruptcy rights and benefits if filing bankruptcy later becomes necessary. Safe play. Highly profitable. You keep all property and assets yet remain in control.

If creditors and collection agents are calling, you have less time to plan and fewer options. If you are facing a notice of foreclosure, eviction or repossession, your options are needlessly limited. However, you still have many powerful and highly valuable options.

Success using an optimized bankruptcy strategy is not an accident. Success requires planning in all situations. Look before you leap in desperation because of the chapter difference. You should always know the details of any deal before you accept.

You must have time to discover what you want, what makes the most sense for you, and have time to act. Then, your personal solution will unfold with uncanny precision and a full bankruptcy discharge will be quick and easy. Thoughtful planning is true power.

Think of this as a game. First, you have an idea and decide on a plan. Then line up the dominoes. Then file bankruptcy. Then with the slightest flick of a finger, everything falls in place, at the proper time, in the proper sequence, with automatic precision. Your competition will be dumbfounded. No problems. You were first to act. You win.

Great Results Are Easy When You Know What to Do

You do not need an attorney to compare options. You do not need a financial analyst to recognize a good deal. However, you must spend a little quality time organizing your personal financial records. Guessing will not work. You must evaluate your records thoroughly and accurately to determine your best options (and availability) to discover your best options today. Then, if or when you are ready, discuss your plans and options with a local attorney.

The problem you must avoid: Too many people wait until it is almost too late. These people may eventually discuss their situation with an attorney. However, showing up unprepared is always disappointing. An attorney will then spend an hour or more describing limited options and basic information needed to calculate the Chapter 7 bankruptcy means test. The means test determines if you are qualified for Chapter 7 bankruptcy or must file Chapter 13. Without your records in order, it would take several hours to calculate your Chapter 7 bankruptcy means test accurately. What a waste.

At this point, you would be stuck with general information and still not know your options. The result? You wasted your time and an attorney will not provide another free initial consultation. You might decide to retain an attorney anyway and hope for the best, without really knowing what to expect. You may be shocked by your options and results.

There is a far better way to calculate your Chapter 7 bankruptcy means test results. You may complete the calculation quickly, accurately, without charge, in the privacy of your home. The worksheets include instructions, examples and tips for optimizing results. Yu will discover how to manipulate results. You will know what, why, when and how to change results in your favor in strict compliance with the U.S. Bankruptcy Code. This manual means test calculator is far better than any generic online tool. Those tools are not accurate or reliable. These manual worksheets are accurate to the penny reveal your best options with a high degree of precision.

You will also find an attorney interview questionnaire designed to reveal which attorneys are qualified, willing and able to maximize your personal results. These are "must" questions anytime you interview an attorney.

If you are prepared and have your means test results in hand, you take the lead. You confidently explain what you want and how you will keep all property you own. At this point, you will be well on your way to collect the greatest benefits possible. You will also know quickly which attorneys to avoid. The best attorneys will welcome your preparation and gladly discharge all of your debts in less than four months.

You must know the proper questions to ask. You will save a tremendous amount of time and heartache by asking better questions and requiring better answers.

Use This Powerful System

Bankruptcy Strategies

Bankruptcy Strategies, Claiming Maximum Benefits Under Chapter 7 and Chapter 13 is a 235 page success manual in a downloadable E-book format. It is designed to first compare options, determine qualification for various alternatives including Chapters 7, 11 and 13, and explain options when filing bankruptcy.

This manual also contains extensive suggestions and examples designed to maximize personal financial recoveries, increase monthly cash flows immediately, and build long-term savings and investments using cost vs. risk vs. reward analysis.

The manual relies on worksheets, instructions and examples to simplify all topics. To the greatest extent possible, legal terminology is minimized and topics are discussed in a conversational style. The goal is clarity and full understanding.

The manual never assumes everyone should file bankruptcy, but instead assumes everyone should consider all personal options, including bankruptcy, when preparing monthly budgets and financial strategies. Your personal financial success is the ultimate goal.

In addition, the manual contains proprietary strategies, tactics and techniques -- developed over the last 25 years -- that are simply not available anywhere else.

The list below contains but a small sample of what you will find within the manual:

Comparing Options

  • How to prepare a monthly budget correctly (worksheets and instructions included)
  • What to expect from free consumer credit counseling services. Discover why these services are free, how they can be beneficial, what to avoid, plus limitations of services provided
  • Why affiliated debt management plans are so cheap to setup but can cost so much over the long term. Learn what to look for and avoid
  • How and when to use debt settlement plans to avoid bankruptcy. Learn why the setup cost is greater, how payment reductions run deeper, and when the setup cost can be deferred into the plan
  • Why some debt consolidation loans reduce payments yet increase costs. Learn when and how to use loans effectively
  • The best use for home equity loans and when they should never be considered
  • How to compare the benefits of Chapter 7 to Chapter 13 accurately
  • When to consider free bankruptcy layers, free bankruptcy filings and pitfalls along the way
  • Why and when to consider retaining an attorney for private debt negotiations and/or litigation
  • How to maximize benefits using multiple debt relief tactics
  • How to combine debt relief alternatives effectively without compromising bankruptcy rights
  • Comparison worksheets and instructions, including how to calculate real costs and benefits accurately over five years for all debt relief options

Pre-bankruptcy Planning

  • How long does bankruptcy last? It depends on you. You can finish in less than four months, if you know how. Find out who may file personal Chapter 7 bankruptcy. Discover what you can do to make sure you personally qualify.
  • Discover what assets are at risk in personal bankruptcy and how to prevent seizures
  • How to protect assets safely before filing personal bankruptcy
  • Should you file bankruptcy for free? Can you file bankruptcy for free and still receive high-quality representation?
  • How to maximize exempt assets and keep all property owned, even with a free bankruptcy filing
  • How to avoid prohibited financial transactions that will always get you in trouble
  • Foreclosure vs. bankruptcy, what's the difference? Plenty, You will learn how to prevent foreclosure, keep property and eliminate debts
  • Gray area financial transaction that could get you in trouble if not completed correctly
  • How to guarantee a full and final discharge of debts without payment of any kind. Can personal bankruptcy eliminate past judgements? Find out how to discharge judgments with few restrictions
  • The best and worst debt payments to make before filing bankruptcy and how they affect your end results
  • Find out what is and is not disclosed in the personal bankruptcy estate (looked at closely by trustees and the courts)
  • How retirement plans are treated in bankruptcy and why they can be the best investment you will ever own
  • How to protect your homestead and keep it in both Chapter 7 and Chapter 13 when payments are past due. Can bankruptcy stop foreclosure? Find out how
  • What a fully owned corporation can and can’t do for you when filing personal bankruptcy
  • How the courts deal with wealth protection plans. Find out what you can and cannot do to protect non-exempt assets
  • Why limited liability partnerships and companies still provide effective asset protection from the reach of creditors
  • Find out how far back trustees and courts look back at financial transactions in personal bankruptcy
  • How the courts and the IRS deal with offshore accounts
  • The ability of trust funds to protect assets in personal bankruptcy
  • How to plan for the best results, keep all assets, retain all income, and eliminate all debts
  • How often can you file personal bankruptcy? Get the facts
  • How to use free bankruptcy lawyers effectively.
  • Tips if you file bankruptcy yourself and must appear at a hearing.
  • How to file for bankruptcy for free using a top attorney.
  • How to influence the results of the Chapter 7 bankruptcy means test.
  • The best ways to influence the means test for bankruptcy.
  • Things to avoid when taking the Chapter 7 means test.
  • How long does bankruptcy lasts and how to shorten your time in court significantly.
  • How use a means test calculator effectively.
  • How to exploit Chapter 13 differences in your favor.
  • How bankruptcy can stop foreclosure immediately without payment of any kind.
  • Use bankruptcy to eliminate judgements for taxes.
  • The proper way to fill in free forms for filing bankruptcy and avoid problems later.
  • How to for bankruptcy a second time and wipe out all debts.
  • When when not to use a top bankruptcy attorney.
  • How to find a top pro bono bankruptcy attorney who will accept your case.
  • How to receive free legal advice from top bankruptcy attorneys.

Personal Bankruptcy Strategies

  • When to convert from Chapter 13 to Chapter 7 and receive a full discharge
  • When to convert Chapter 7 to Chapter 13 and devastate creditors
  • Why filing Chapter 13 may be your best option when filing
  • How to avoid dismissal of a case and why so many people fail
  • Find out what really happens when you file bankruptcy and the depth of record searches
  • How to work with attorneys effectively, how to testify, and what you should and shouldn't say
  • What an automatic stay can and can’t do in personal bankruptcy, plus why it is so powerful
  • How to invalidate liens, priorities, claims and prior payments for personal profit
  • How to use the cram-down procedure to invalidate liens on vehicles in Chapter 13, plus how to release liens and keep vehicles in Chapter 7
  • Why doing nothing can trigger an imputed income trap, create phantom income, and result in make-believe tax liability that will be enforced by the IRS
  • How private debt negotiations before personal bankruptcy can pay handsome dividends in Chapter 7 and Chapter 13 (describing the most successful tactics)
  • Find out how your income will be affected (how much you keep) after filing personal bankruptcy in Chapter 7 and Chapter 13
  • Rules that apply to new loans while bankruptcy cases are pending, what property you can buy and what property you can sell
  • Full explanation, worksheets and instructions for the means test calculation
  • What the means test does, how it is used, and why test results constantly change
  • How and when to calculate the means test for maximum advantage (with instructions, examples and tips)
  • How to pick the best filing date for all bankruptcy chapters
  • How to keep collateral in both Chapter 7 and Chapter 13 when payments are past due
  • The way priority debts (including past due child support and back taxes) are repaid in Chapter 7 and Chapter 13
  • How to keep your home when facing foreclosure
  • How to keep your vehicle when facing repossession
  • How to keep credit card charge privileges when filing bankruptcy
  • Why your discharge may be denied, actions that can result in dismissal, and debts that can never be discharged
  • Debts that might not be discharged unless handled correctly, plus options if your attorney makes a mistake
  • When and how a discharge becomes effective, and the reasons why a discharge can be revoked
  • When to convert from one chapter to another to claim maximum benefits under both chapters

Common Questions

  • Are free bankruptcy lawyers any good? Do you have any tips for using free lawyers?
  • Can you file bankruptcy yourself and receive a full discharge?
  • Can I file for bankruptcy for free and still receive full benefits?
  • Why is the Chapter 7 bankruptcy means test so important?
  • Is the means test for bankruptcy mandatory?
  • Can the chapter 7 means test change month to month? Discover how the legally change the chapter 7 means test with just a little time to plan
  • How long does bankruptcy last in a typical Chapter 7 case?
  • What is the best means test calculator? Should you trust a free means test calculator online?
  • Do bankruptcy Chapter 13 differences really matter?
  • Can bankruptcy stop foreclosure and save my home if I can’t make payments?
  • Does bankruptcy eliminate judgements for nonpayment of student loans?
  • Are free forms for filing bankruptcy acceptable to the court?
  • Can I file for Chapter 7 a second time and wipe out all debts again?
  • Is it worth the money to retain a top bankruptcy attorney?
  • Will a pro bono bankruptcy attorney do a good job?
  • Is a bankruptcy free consultation valuable? How many bankruptcy free consultations should I request?
  • Can I talk to top bankruptcy lawyers free of cost an obligation?

Life After Bankruptcy

  • Why and how filing bankruptcy can improve your credit score
  • How to rebuild your credit score quickly after bankruptcy using time tested techniques
  • Timing the sale of assets, new loans and credit after filing bankruptcy
  • What you can do if you omit a creditor when filing bankruptcy
  • How to use credit cards for profit, without being screwed
  • How and when to start saving after filing bankruptcy
  • Why total income is not as important as disposable income
  • How to get a new vehicle loan
  • How to get a new home loan
  • How discharge effects job applications, and what you can do about it
  • When and how to implement an investment strategy after filing bankruptcy
  • How to clean up your credit report and remove errors

These topics are all covered plus many more. The manual relies on an extensive use of examples. Personal bankruptcy strategies are discussed to help each reader discover their best options, how to combine available options, and how to use a local attorney effectively to claim all benefits.

How it Works

The manual is designed so that we work as a team. You will determine your best personal options and why some are much more valuable than others. The worksheets, instructions and examples help show you the way. Ultimately, you must decide if finding out the true value of your options is worth your time and effort.

Example: If you use the official means test form, you may be forced into Chapter 13. If you use my means test form and pay attention to suggestions and examples based on refinements in case law, you may reduce your disposable income by $350 a month and qualify for Chapter 7. Over 60 months, you will save $21,000 in unnecessary cash payments. Is an extra $21,000 in cash worth a few hours of your time today? You will avoid five years of court supervision living on a court-mandated budget in personal bankruptcy. You could be debt free in less than four months.

With the benefit of interviewing many thousands of clients, the manual is designed as a means for each person to ask better questions, at the right time, and offer solutions to the greatest challenges faced when filing personal bankruptcy.

Once you run through the manual and complete your personal worksheets, you will know what options are available, how much they cost, and how much they are worth to you. Your best option will be clear. You will also be prepared to file personal bankruptcy almost immediately if necessary. You can do this from the privacy of your own home. Keep your options open.

My number-one priority is to maximize your personal benefits and financial security using all legal means. You may find bankruptcy is not your best choice. Yet, if bankruptcy is your best choice, you also deserve full disclosure and should understand how benefits multiply many times over when exercising options correctly and using your right of conversion effectively.

To file personal bankruptcy profitably, you should eventually retain a local attorney. Your future attorney's job is to file a case and get you a good deal. My job is to offer observations regarding the best results obtained over many years by highly motivated debtors who achieved extraordinary success by filing bankruptcy. With time to plan, this is easy.

Sadly, many people find attorneys who are simply lazy or disinterested and do not explain these options fully. Even worse, when time is short, the best attorney in the country can not change your financial history. However, once you are prepared, made good decisions over the last six months, and ask the right questions, at the right time, with confidence, any attorney you retain must provide you with full and responsive answers. You have power.

All attorneys must answer specific questions fully and accurately, otherwise they commit malpractice. The manual teaches how to put an attorney in a box. You will be able to pull strings and make attorneys dance like puppets. The key is asking the right questions at the right time when your financial records reflect good planning.

Not Available from Any Other Source

Also included in my personal bankruptcy strategies manual you will find:

  • Bonus #1 - Top 10 ways to thrive immediately after bankruptcy - jump-start your savings, quickly rebuild credit scores, and insure your success with these time-proven tactics.
  • Bonus #2 - Winning strategies for negotiating debt settlement yourself - Find out how easy you can negotiate small credit card payment reductions. Discover how the pros routinely settle debts for less than 50 cents on the dollar and slash interest rates for a two to three year payout.
  • Bonus #3 - How to stop unethical collection agents and practices - Put an end to annoying collection calls and nasty letters, forever. If you document unethical behavior and can prove it in admissible form, you have a one- year statute of limitations to collect damages from debt collectors.

If you were to retain an attorney to explain all of the information contained in my bankruptcy strategies manual, you would easily spend more than $5,000 and probably much more, plus spend weeks discussing options. You can discover this information for yourself in the privacy of your own home.

All content is cleansed of legal jargon to the extent possible. All information is provided in a format that is easy to understand.

Add to Cart

Order Now and You'll Also Receive:

The Power to Change Qualification for Chapter 7


Change Chapter 13 Plan Payments

Your means test results must be provided to the court in every case filed under Chapter 7 and Chapter 13, calculated as of the day you file. This test is based on an official formula that determines your Monthly Disposable Income. And no, the result is not what most people think about when deducting necessary living expenses from their total income. The formula contains a few requirements that are simply bizarre.

Be aware, results change monthly. Qualification for personal Chapter 7 can change quickly. The amount of potential Chapter 13 plan payments can increase alarmingly if you waste your deductions by paying unnecessary debts. An attorney could charge you $400 or more each time you calculate the means test result before you file.

By trying to pay debts one more month, you can screw yourself for five years.

As part of the personal bankruptcy strategies manual, the worksheets, instructions, examples and tips show you how o optimize personal bankruptcy. Chapter 7 and Chapter 13 means tests are explained. Once you understand the test, you will be able to calculate the result easily anytime you wish with optimized forms.

You can now monitor your personal progress constantly. You will see how easily results can change, why, and what you can do about it. You will save a few hundred dollars a month, and perhaps avoid Chapter 13 altogether. If you pay attention carefully, you will save thousands of dollars in wasted Chapter 13 payments and be debt free in a few months.

You can calculate the means test result in privacy of your home -- without paying an attorney. You will see how easily small changes create significant swings in test results.

You have the power to change results legally, ethically, and in compliance with the U.S. Bankruptcy Code. The test result is based, in part, on how you spent your income over the last full six months. These choices include which debts you paid, which debts you choose to let slip past due, and the way you incurred expenses.

You deserve full disclosure. Your decisions each month matter. You now have the ability to know how the means test affects your personal future and plan accordingly.

This ability alone could determine if you qualify to file Chapter 7, keep all income, and discharge all debts in as little as four months, or if you could be forced into Chapter 13 after filing and must pay all of your Monthly Disposable Income to the court for five years.

Given enough time, and by taking the means test at home, you could easily save $20,000 to $40,000 when filing bankruptcy.

Misinformation about personal bankruptcy has grown rapidly throughout the years. In many cases, banks try to scare borrowers with even the thought of personal bankruptcy. Debt collectors routinely use harassment, intimidation and threats. In many cases, threats are based on information that is simply not true. Their actions dance on the ragged edge of legal compliance, and in many situations, actions go far beyond legal limits.

I have also seen a thousand smiling faces. The cards and letters I received throughout the years from my personal clients are priceless to me. I've seen a constant stream of people regain their confidence, find new jobs, begin saving, and build investment portfolios. I've watched their financial security return and grow with amazing success. These people are my heroes. They made tough decisions when time was short and choose to protect themselves, their families and their futures.

You have many powerful and valuable rights provided by the U.S. Constitution and the U.S. Bankruptcy Code. No bank may take them away. All U.S. citizens and residents can claim these rights.

You cannot sit back passively and expect to receive the full benefit of your rights under the U.S. Bankruptcy Code. You must take action. You must take decisive action to assert personal bankruptcy rights. Knowledge is power, but only if you use it.

The Trick Is Not What You Do, But When

The means test uses your personal expenses for the last full six months. Results change each month depending on the debts you choose to pay and those you choose to ignore. By ignoring certain debts and optimizing expenses that qualify for means test deductions, you can purposefully improve your personal test results. Learn how to manipulate the test with small changes in your lifestyle. Ignore a few debts and spend more in some areas. You will be amazed by test result changes. You can create these changes for yourself legally and safely if you understand how.

Do You See Where We Are Going?

Walk with me for a mile or two, together we are preparing you for personal financial success. We are beginning to create a rock-solid strategy for eliminating crushing debts and building financial security. We will make this process as easy as possible, but not easier. Within my personal bankruptcy strategies manual, you will discover how to:

  • Calculate true financial condition today
  • Compare the practical value of all options available to you
  • Evaluate each option using a common measure to find your best options
  • Plan strategies and tactics
  • Keep the money you earn
  • Keep the property you own
  • Eliminate all of your debts
  • Build savings and investment accounts
  • Enjoy life-long financial security

The personal bankruptcy strategies manual was specifically designed to help you combine many complementary tactics. Our purpose is to discover your best path to maximum financial success and security using a five year over-view of realistic results.

In five years, you should look back enjoying the highest level of financial success you have ever achieved. At this point, you will realize that all small steps and inconveniences along the way are forgotten easily.

Be proud of yourself for having the gumption to take charge of your life. Do not fall prey to misinformation, but instead, commit to make all financial choices based on knowledge, probability, and a proven strategy. The quality of your decisions today should pay benefits for the rest of your life.


Dave Clark



I want you to be fully satisfied when purchasing my product. Keep my manual for 60 days, review it and work through the worksheets.

If you're not thrilled with the information provided, simply write me a note and tell me why. I will refund your entire purchase price promptly, courteously and professionally. No questions or reason required.

I am confident you will find my product informative, insightful and profitable. I have found hopes that I will receive a note from you telling me about your personal success.

NOTE: Bankruptcy Strategies, Claiming Maximum Benefits Under Chapter 7 and 13 is a downloadable e-book. No physical products will be shipped. After you order, you will get instant access to download the e-book, all included worksheets and instructions, and all bonus reports. The e-book is provided in Adobe Acrobat PDF format that can be viewed on Mac or PC.