household income

[maria1]

I am in Washington DC. I am a stay at home mom and have about 75k credit card debt. My husband pays all of my bills, our mortgage and his bills. I have been told that since I do not have any income myself that it would be rather easy for me to file chapter 7. On the other hand I have been told that the court uses my 'total household income' which includes what my husband makes. He has a very good income. My question is- do they use my sole income which is 0 or our total income?

[HHM]

They use TOTAL HOUSELHOLD INCOME (or all sources of income). However, that doens't mean all of it counts toward determining your disposible income. You would need to speak to an attorney in your area to find out exactly how the BK courts and Trustee deal with a situation like yours.