<?xml version="1.0" encoding="UTF-8"?><oembed><type>video</type><version>1.0</version><html>&lt;iframe src=&quot;https://www.loom.com/embed/c70622d4e8b04691b1035b166404334b&quot; frameborder=&quot;0&quot; width=&quot;1662&quot; height=&quot;1246&quot; webkitallowfullscreen mozallowfullscreen allowfullscreen&gt;&lt;/iframe&gt;</html><height>1246</height><width>1662</width><provider_name>Loom</provider_name><provider_url>https://www.loom.com</provider_url><thumbnail_height>1246</thumbnail_height><thumbnail_width>1662</thumbnail_width><thumbnail_url>https://cdn.loom.com/sessions/thumbnails/c70622d4e8b04691b1035b166404334b-39db5e05d6e95631.gif</thumbnail_url><duration>553.202</duration><title>Getting to Discharge</title><description>In this video, I explain the process of eliminating debt quickly through bankruptcy, specifically focusing on the means test and what we need to prove at the Zoom hearing. I detail the income thresholds for different household sizes, which are crucial for qualifying: under $61,000 for one earner, $77,000 for two, and up to $103,000 for four. I also emphasize the importance of demonstrating that your property value and transfers to insiders are low enough. If you find your income or property too high, I suggest considering a Chapter 13 payment plan instead. Please reach out to me for assistance with your means test and to discuss your specific situation further.</description></oembed>