You don’t necessarily need Chapter 13 to protect an exposed asset. The bankruptcy trustee in Chapter 7 is usually willing to do a deal.
Corporate profits are very high, while unemployment remains high. Why aren’t businesses hiring more? Because they don’t think they need to.
Skip the “means test” and qualify for Chapter 7 if you fit within these military-related exemptions. But they ARE narrow ones.
Skip the “means test” if your debts are not primarily consumer debts.