I just spoke with an attorney regarding a possible Ch. 7 filing. In going through my monthly income for a family of four we realized that we're $256.33 over per month (over a six month period).

Here's my question.....

I'm currently collecting unemployment benefits. ...

Here is my dilemma. I am divorced pay a hefty alimony and child support payment. I do not pass the means test just by my self. My daughter is with me twice a week and every other weekend. My significant other lives in the house and does not contribute more than $200 in household expenses and her...

Please help! I lost my job in October 2010 but I still have income from my VA disability. My wife also still works as a teacher. We were supposed to sign our petition for Ch. 7 this morning with Macey & Aleman (possibly the fly-in-the-ointment); however, after three previous appointments, the...

I'm a buisness owner filing for chapter 7 in 3-4 months. My question is, I have taken 99% of my income from draws. Meaning no tax taken out. I'm wondering if the means test is taken off of my deposits or if they factor in the tax that should have been added to the gross of that draw?? Any answers...

What do you all think/know about this?
I'm in CA and considering filing Ch. 7 pro se. Here's my situation:

I am a teacher and get paid 10 months of the year. I have no salary in July and August. If I file in March and the lookback does not include any of the no-salary months, my...

We are way below the median income (6 of us in our family) on the means test. Will I have to list actual expenses and show receipts? This is kind of overwhelming to me....

Also, does anyone know if they want bank statements, and if so, how far back?

Thanks in advance!...

What are some ways to get over the hump if the means test shows you're a bit over?

Suppose I am being forced into bankruptcy Chapter 7 by being unemployed for 12 straight months and have a lawsuit hanging over me.

Running the numbers I see that my annual income works out...

This is the initial information, Current Expenses, that I am filling out for the Attorney. I've been reading everyone who shares theirs and I can't tell if there is something alarming on mine or not. Or how much I need to explain. Appreciate any feedback.

2 people
2 mortgages...

Hi Everyone. Thank you for posting all of your stories about your own financial hell so that I don't feel alone. This Forum is probably cheaper than therapy.

Here's our scenario: Husband is in construction and has been riddled with a lot of lay off periods in the last couple of...

Greetings,

I plan to file pro se this week. I have a question about how to list my income. I am right under the median if I file this month (based on income from May 1 2010 to Oct 31 2010). However, I am expecting a check of about $2900 between filing and my 341 meeting from my previous...

Our BK was filed 10-20-10. 341 hearing is 11-29. I have 2nd round of interviews for a job next week. If I get an offer, it will come before the 341 hearing. Will it be a problem if I accept the job?
We qualified under the Florida means test of income...husband unemployed and me only working...

You guys are going to love this.

http://www.youtube.com/watch?v=2BEHrUYbmPU

Hitler Discovers the Means Test...

Was planning to file in Jan. DH has sudden consideration for employment starting in Nov (he's been unemployed since Sept). They are pushing for an asap start date. If he takes the position it will put me out of a chapter 7 fast.

I can pass the means test (over median) for May-Oct. I will...

My income increased from 08 to 09 by 13,000 and still filling chapter 7. During that time of the increase the family size increased by 2. Is this going to be an issue with the trustee? Filling in 2 weeks. my family size is 5 children and 2 adults still 15000 below state median for michigan.

So, I went to my second lawyer today. I certainly liked him better than the first guy! Anyway, here are a few interesting tidbits that I learned from him (and am mulling over):

1.) In our district (Eastern CA), we are allowed to use our mortgage payments on the means test EVEN IF WE...