You can include in your Chapter 13 bankruptcy case business-related debts you are personally liable for. That doesn't mean you must earn the same amount every month. A nonworking spouse can file alone and use money from a working spouse as a source of income. And an unemployed spouse can file jointly with a working spouse. The income of a non-filing spouse is property of the estate and must be included in your bankruptcy papers.
Most courts fall somewhere in between.
To determine if your disposable income is high enough to fund a Chapter 13 plan, you must create a reasonable monthly budget. 4, Calculating Your Disposable Income , explains how. This amount is increased every three years. A debt is secured if you stand to lose specific property if you don't make your payments to the creditor. Home loans and car loans are the most common examples of secured debts.