A basic definition would be a debt with a readily ascertainable amount in which all events creating the debt occurred prior to filing bankruptcy. Further, the debt cannot be attached to any property. This would include credit cards, medical bills, repossession deficiencies, and many others. It is up to your attorney to help you determine what types of debts you have. What’s the difference between secured debt and unsecured debt? Why does it matter? Again, it is up to your attorney to help you determine what types of debt you have. Generally, a good way to think about secured vs. unsecured debt is: if you own something that will be taken away from you for non-payment, it is almost certainly a secured debt. The distinction matters because you must either provide for payment of your secured debt or surrender the collateral (let it go back to the creditor). What is the disposable income test? It’s pretty simple actually. Take your net income after taxes and deductions (but not necessarily