I want to file a Chapter 7 individually. I am married, but all debt is under my name, so my spouse won't have to file. Do I have to combine my monthly income/expenses with my wife's monthly income/expenses on the schedules? I live in Florida. Thank you.
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combined income
in most situations, the answer to your question is yes. It will be total household income/total household expenses. In my situation, the debt was 99 percent mine. But my husband ended up joining me in our chapter 13 because they counted his income also (and expenses) and since he was affected anyway, he felt he should join the party. The other situation you need to consider is if you are in a community property state. Even if she is not on your debt, in a community property state, she would still be liable.
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