Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Ch. 13 bankruptcy Disposable Income? - I do not have the option of filing a chapter 7 ( I claimed some 5 years ago), my wife lost her business upon becoming disabled from a horrible accident and she made the bulk of our income... which cut our income to a fraction of what we were at. I need some relief. I am worried with our income and general bills the trustee with say we do not have any disposable income.