Means Test Chapter 13

Remember that the supposed purpose of the means test was to funnel consumers into Chapter 13. And most of the Chapter 13 cases we file pay little or nothing to unsecured creditors . The money paid into the plan goes to creditors my clients want to pay, like delinquent mortgages, car loans, and recent taxes.

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Free Bankruptcy Means Test Calculator for all Wyoming counties. Applies all IRS Expense allowances and current wyoming median income standards to calculate whether you qualify for Chapter 7 bankruptcy. Based on Official Form 22A and expense and income standards published by the US Department of Justice, Executive office of the U.S. Trustee.

Texas Bankruptcy Means Test If you would like to file a Chapter 7 bankruptcy you must pass the Texas means test. The test only applies to higher income filers which means that if your income is below the Texas median for your household size you are exempt from the test and may file a Chapter 7.

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exists, and you may convert the case to Chapter 13, or advise your client to file chapter 13. jump buttons Help You Quickly Refer to Schedules I and J The Means Test Calculator contains Jump Buttons in the top right corner, allowing you to view or edit

If your income is higher than the Washington median you will need to complete the means test calculation to determine if you can pay back a portion of your unsecured debts through a Chapter 13 bankruptcy. Means Test Exemptions. If your debts are not primarily consumer debts then you are exempt from the means test.

New Jersey Bankruptcy Means Test If you would like to file a Chapter 7 bankruptcy you must pass the New jersey means test. The test only applies to higher income filers which means that if your income is below the New Jersey median for your household size you are exempt from the test and may file a Chapter 7.

The chapter 7 means Test Calculator has been updated for the latest median income figures for cases filed on or after April 1, 2016. This is your state’s monthly median family income for your family size: $ Do you qualify to file Chapter 7? If your income is slightly higher than your state’s median income you may still be able to file Chapter 7.