Why the Chapter 7 Eligibility Guidelines Are Counterproductive

In re Brophy, 49 B.R. 483, 484 (Bankr. D. Haw. 1985); In re Freunscht, 53 B.R. 110, 111-12 (Bankr. D. Vt. 1985); In re Graham, 21 B.R. 235, 238 (Bankr. N.D. Iowa 1982); In re Decker, 535 B.R. 828, 836-37 (Bankr. D. Alaska 2015), aff'd sub nom., Decker v. Office of the United States Tr., 548 B.R. 813 (D. Alaska 2015); In re Karlinger-Smith, 544 B.R. 126, 132 (Bankr. W.D. Tex. 2016); In re Gordon, 465 B.R. 683, 702 (Bankr. N.D. Ga. 2012).