Interviewer: What are the initial steps or the process? I mean where exactly does one start?
Brad Weil: You have to determine the amount of your debt, you have to determine the nature of your debt, you have to determine your income and you have to determine your expenses. Now, like I said, if you don’t have disposable income, if your expenses exceed your income, you won’t qualify for Chapter 13 because you won’t be able to afford the plan payments, you probably have to do a Chapter 7. And if you exceed the debt limits, then you aren’t going to be able to do a Chapter 13 because you don’t qualify, so you probably going to have to do a Chapter 11 and that gets expensive.