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means test x

  • 1Cindy
    started a topic Income


    I just started a new job, less income, will they use my income now or go 6 mos back to old income when I file ch 13?
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  • jrockfl
    started a topic Filing non consumer chapter 7

    Filing non consumer chapter 7

    I have an online business that has been losing money for the past few years. I had to go back to work as a software developer.
    I met with an attorney and he says that I would qualify for a non consumer chapter 7. In addition to the failing business I have a rental
    property that have I never...
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  • JayTheAvian
    started a topic It's Complicated...

    It's Complicated...

    Just joined this site this evening. I'm a single father of a teenage son with primary custody. We live in Phoenix. I'm almost a year into my Chapter 13 case and now dealing with a complex set of issues and have a number of questions.

    First, I'll tell you what led me to file BK in the first...
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  • Several questions about the way my Chapter 7 is unfolding

    First off, thanks to everyone who posts such good wisdom on this message board, it's the most useful I've found so far. I am going to be filing a Chapter 7 bankruptcy here in California on August 1st. My attorney is somewhat difficult to get hold of, and his answers are often too cryptic for me to...
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  • Calculating the 6 month lookback with calendar anomalies

    Doing a case where the vagaries of the calendar include 27 weekly paychecks rather than 26 in the full previous 6 months, in a year that will produce 52 overall. If using the larger number, when doubled, it would distort annual income by 3%. In this case this is the difference between qualifying for...
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  • CaseyKnox
    started a topic Filing to save My Home!

    Filing to save My Home!

    I'm so ashamed that My life has came to this. 😢

    Just received notice, that our home will be foreclosed on May 19th.

    Seems that Chapter 13 is the only option We have left. We're behind almost $8k.

    We also have medical bills, approximately $25k between...
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  • Jimedwards
    started a topic HELP - I might not qualify.

    HELP - I might not qualify.

    Hi, I'm new here and want to thank everybody for their help in advance.

    I get paid in the low-mid $100K and have over $50,000 in CC debt thanks to a long divorce.

    I spoke to a BK lawyer who said point blank that I likely won't qualify for Chapter 7 even though...
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  • nojokebroke
    started a topic Question about means test North Carolina

    Question about means test North Carolina

    We went to do a consult with an attorney yesterday and were told we are over the means test for chapter 7. It is only by a about 400 dollars. We don't have a car payment as they repossesses that already. We have a house that is current that we plan on keeping. We have only has it for about 2 years...
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  • forced early retirement and future earnings decides chapter 7 or 13?

    My company is offering an early retirement package to those of us who are 60. The message is, take it or risk getting fired later with nothing. I live in an at will state.

    The company has already fired a bunch of people younger than us old-timers, to reduce payroll, so we see the writing...
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  • Question on Calculating Medical, Dental and Vision Expenses

    I'm need to list line-by-line my Medical, Dental and Vision Expenses for the Means Tests Chapter 7.

    Things like new contacts, glasses and co-pays are easy to list, but I had a few questions:

    - If I spent $1,000 last year on medical out of pocket, but only spent $100 this...
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  • Spouse not filing, but BK attorney won't take case because of spouse's

    I met with a BK attorney yesterday, and he didn't want to take my case. Should I see someone else?

    Situation: My small business tanked in 2008, leaving me with $900K in SBA PG. I was only guarantor - wife did not sign. So I'd like to file personal Ch 7, but leave the wife off it....
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  • MrsM
    started a topic Health Insurance Question w/ Regard to Means Test

    Health Insurance Question w/ Regard to Means Test

    My husband's employer pays a portion of our health insurance premium, which shows up under the "Pay Type" section of his pay stub, along with his salary. They put the total amount of the health insurance in the "Non-Taxable Deductions" section. So do I include the employer paid...
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  • unkelaaron
    started a topic question about means test

    question about means test

    HI gang
    Trying to complete my means test to see if I qualify for a ch 7. I'm a little confused about line 42, futurepayments on secured claims. For property securing the debt, do I put my current 1st and 2nd mortgage? What if we plan on foreclosure after the BK?
    I assume under Vehicle...
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  • csonly
    started a topic Means test question...

    Means test question...

    I've been going over my BK paperwork over and over. I do feel that I have a competent attorney with more than 20 years experience, so I feel comfortable with him, but I do question a few things on our means test.

    For the means test, I see that the national standards are what are used...
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  • Income question and credit counseling questions - sorry long

    My husband and I are thinking about filing Ch 7 as it seems we pass the means test. The reason we are filing is we have a rental property that we are "in the hole" every month and since it is not our primary residence BOA will not budge on anything. So we decided to let it go back.
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    Last edited by basketsbears; 01-17-2011, 08:03 AM. Reason: added question