Curtis lives in new hampshire and makes $52,000 a year. if the median annual income in new hampshire is $63,731 and the median annual income in the united states as a whole is $50,233, is curtis likely to qualify for chapter 7 bankruptcy?

No because he makes more money then the median annual income in the united states

Having a long credit that will be corrected is better that a short credit that is clear is simply because with long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. have short history of your credit doesn't show patterns or trends of persistent late payments.