When they look at your paystubs...

[hopefulbk]

do they go by gross or by net pay? I'm figuring out expenses and net vs gross is a big difference (good ol' taxes and insurance cost a lot!). Regardless, I am below the means test guidelines but I'm still wondering about this.. thanks!

[keepmine]

Gross is step one. As you plunge deeper into the schedules, withholdings are factored in with other expenses to get a possible disposable income number.

Have you filled this out?

http://www.legalconsumer.com/bankruptcy/means-test/index.php

[hopefulbk]

Gross is step one. As you plunge deeper into the schedules, withholdings are factored in with other expenses to get a possible disposable income number.

Have you filled this out?

http://www.legalconsumer.com/bankrup...test/index.php

Thanks! Yeah I filled it out but I'm not in the negatives yet...