Read the following excerpt from a US court opinion:
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filed because of sudden illness, calamity, disability, or unemployment. At the same time, this is not a case of debtors who ran up debt by consistently living beyond their means. Rather, it appears that they were the victims of a collapsing real estate market that caught them by surprise as they were attempting to move from one house to another that was more suited to their needs. In retrospect, they clearly extended themselves unwisely, but certainly they were not the only home buyers in the 2005 to 2007 time frame who did not foresee the precipitous drop in property values that took even experienced real estate professionals in Northern Virginia by surprise. In any event, poor financial decisions, standing alone, do not equate to abuse. In re Smith, 354 B.R. 787 (Bankr.W.D.Va. 2006) . The fall-off in real estate values left the
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What is the most suitable continuation to the opinion? Your options are:
A. holding that thrift savings plan monthly payroll deductions could be included as part of a hypothetical chapter 13 disposable income calculation in determining whether a chapter 7 case could be dismissed as a substantial abuse
B. holding that a debtors ability to make reduced payments under the icrp is relevant to the inquiry of whether the debtors reasonable future financial resources will cover payment of the debt while still allowing a minimal standard of living
C. holding that a debtors right to convert his or her chapter 7 case is not absolute
D. holding that a chapter 7 debtors duty to file a section 521albv statement of monthly net income can only be fulfilled by filing form b22a
E. holding in prebapcpa case that chapter 7 filing was not a substantial abuse simply because debtors made unwise financial decisions that increased their monthly living expenses
Reply with [A, B, C, D, E] only.