As per my previous posts, husband and I are trying to pre-plan a Non-consumer Chapter 7. I finally found a law office in North Carolina to correspond with me via e-mail regarding this, because I knew that the only important thing was what the local courts felt about DMI in a non-con bk7. The para-legal I communicated with said the means test doesn't apply, but Schedules I & J do.
Since the means test does not apply, which is a six months look back at my husbands income, and Schedules I and J do, which are current and forward looking, does that mean he could earn money closer to time of filing? We are trying to see if we can get all the legit uses of the money (dental work, glasses, moving van, bk atty, rent deposit, etc.) and then wild card any extra cash since we will be using fed exemptions.
I guess what I am saying is if we legitimately use up my husbands pay check and our rental income, so we don't have unaccounted for cash, then it doesn't matter what his six months prior income is, as long as we are very low DMI on our Schedule I & J at the time of filing?
Since the means test does not apply, which is a six months look back at my husbands income, and Schedules I and J do, which are current and forward looking, does that mean he could earn money closer to time of filing? We are trying to see if we can get all the legit uses of the money (dental work, glasses, moving van, bk atty, rent deposit, etc.) and then wild card any extra cash since we will be using fed exemptions.
I guess what I am saying is if we legitimately use up my husbands pay check and our rental income, so we don't have unaccounted for cash, then it doesn't matter what his six months prior income is, as long as we are very low DMI on our Schedule I & J at the time of filing?
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