Means Test Determination

An initial analysis to any bankruptcy is whether you legally must file a Chapter 13 versus a Chapter 7 due to your income.  Income determination guidelines are set by the government for each county in the country, with a median income based on size of family.  Income is your gross income, using a most recent six month average.  Income such as social security, social security disability and other similar type forms of income is not counted.  A non-filing spouse's income is counted for purposes of a married individual filing.Even if a person does not meet the threshold median income test for filing a Chapter 7, the law requires further analysis, where certain payments, such as car and house payments are counted, as well as expenses such as taxes, health insurance costs and other similar type expenses.  It is important to contact a Bankruptcy Attorney who understands both forms of the Means Test Determination to give you proper advice.
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Gatlin Voelker,PLLC

Gatlin Voelker, PLLC
2500 Chamber Center Dr.
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Fort Mitchell, KY 41017

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