If you think you lawyer made mistakes causing you financial detriment, you should report her to the state bar association for attorney malpractice.
Winning isn't easy though, because the legal profession supports its own. To prevail, you must show the negligence caused by your attorney, and that the outcome would have been materially different but for that negligence.
The means test determines whether your income is sufficiently low enough to file for Chapter 7. You have stated that you have assets. Perhaps your assets are at a level where your attorney felt you exceeded the limits necessary to file for protections of Chapter 7.
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Don't be naive enough to believe that the legal profession DOES NOT protect it's own. The perfect world of which remymort may live just does not exist. The state bar association is staffed primarily by attorneys, ex-attorneys, and/or by those with law degrees. Some of these staffers may have gone to law school with YOUR attorney or know her from attendance at court, seminars, or other events of which attorneys regularly attend such as CLE (Continuing Legal Education). Staffers at the State Bar may also empathize with your attorney because they too may have have a malpractice claim filed against them. You would be surprised at the number of attorney malpractice claims.
While I agree that the legal profession strives for fairness and justice for all, there are MANY examples where it falls far short of that noble objective.
My point is this: If you file an attorney malpractice suit, be sure to have your ducks in line because "you" have the burden of proof in showing your attorney's negligence.
The amount of settlement is often not the adjuster's decision and, if the insurance company is using an independent adjuster, it is never the adjuster's decision. Many insurance companies have committees that review cases and approve or reject settlement figures. It's likely that the adjuster has been reporting to the committee or at least to a member of the committee since the beginning.