How to tell the difference between a consumer and a non-consumer case

One of the questions you’ll have to answer is whether your debts are primarily consumer debts or not. To determine the answer, look at all of your debts. Were any of them incurred for a business or investment purpose? No, all debts were incurred for the benefit of yourself and your family? Then you have a “consumer case.”

If you are or used to be self employed, figure out how much of your debt was incurred for the business (even if the credit card or loan was in your personal name). If it’s more than 50% of all of your total debts (including your mortgage, student loans, medical bills, etc.), then you have a non-consumer case. 

Almost all Upsolve users file a consumer case because more than 50% of their debt was taken out for a family or household purpose.