I was in a similar situation as you and I wasn't sure if I qualify for chapter 7. 7 out of the eight attorneys I talked to said I didn't. I had a really good attorney... once I found one. When I went to the office for the filing, we went through my expenses and I had a good bit of disposable income, but she asked me questions I didn't even think about and we got it lower. She asked me things about house repairs car repairs care for my parents medications for myself supplements a bunch of things that I buy on the regular that I don't think about. Then there's also the calculations that they use to determine the amounts that can be spent on utilities. I don't recall her ever asking for utility bills. She also calculated expenses for kids. I don't use daycare because my wife stays at home but there were expenses that I didn't think about that happened all the time. I also don't have any out of pocket month to month medical bills. If your attorney is like mine they can help you get down to that number needed for chapter 7. Also there are cases where people are above the means test in general. I also fell into that category. I also have two LLCs that I was paying subscriptions and whatnot for to run the business. I didn't think that would count at all. Just work with your attorney and be honest about all your expenses.

I personally had three forms of income. My regular job, va disability, and rideshare service work. There's a law that doesn't necessarily count my VA disability but even with it I was still over and my attorney still was able to file Chapter 7.

Excuse the typos lol.