When you file for chapter 13 they take any money left over after your budget....and I mean any! So make sure your budget is set really high to allow for any expenses and so that life is not so miserable. I filed chapter 13 and don't know much about chapter 7. To file chapter 13 you have to prove you have enough to make your payments and your budget. So I don't think you want to make your budget so high that they think you can't make your chapter 13 payments.
CAn you be denied for Chapter 7 or 13 because your budget is to high currently?
your lawyer, if you are using one, will tell you before you even consider filing if you qualify using the means test. something about 10% disposable after all is spent will disqualify you. so that is why you have to make sure you list everything you spend your money on to prove that after everything is paid and all your checks come through, you do not have enough to make even a dollar worth of payment to your creditors.
the 341 meeting is sweet and to the point, where they ask you a few questions under oath, in my case, in front of everyone in the room (as if filing isn't embarrassing enough, lol)
the financial management classes are really helpful in terms of budgeting and your future outlook...it really helped me a lot in terms of budgeting since i was never taught the importance of a sinking fund, savings, budgeting.
if your case is simple, like you really don't have enough money to pay your creditors, then you should get a discharge within a month of the 341 meeting. no creditors will be there unless you are holding on to major properties and they will lay a claim on.
just be honest with your lawyer about everything so there will be no surprises on the 341 question and answer.