Source: http://www.connecticutbankruptcymeanstest.com/Test.aspx?c=litchfield&t=plymouth
Timestamp: 2020-08-13 05:14:03
Document Index: 306487249

Matched Legal Cases: ['§ 101', '§ 3741', '§ 101', '§ 901', '§ 101', '§ 901', '§ 707', '§ 101', '§ 170', '§ 507', '§ 109']

Chapter 7 Means Test For Plymouth In Litchfield County, Connecticut
For whatever town or county you are in Connecticut, this Chapter 7 Means Test will work for you.
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How do my children count in the means test?
Why does the location where I live matter?
Is all my income included?
What if I don't pass the income means test?
What expenses are allowed in the means test?
Am I penalized if I don't use a vehicle?
How are family support obligations valued?
What is the Marital Deduction Adjustment?
What about college tuition and other school expenses?
I help my elderly mother. Can I deduct the cost of caring for her?
Means Test FAQ How do my children count in the means test? Why does the location where I live matter? Is all my income included? What if I don't pass the income means test? What expenses are allowed in the means test? Am I penalized if I don't use a vehicle? How are family support obligations valued? What is the Marital Deduction Adjustment? What about college tuition and other school expenses? What about life insurance? I help my elderly mother. Can I deduct the cost of caring for her?
The law uses a standard mathematical formula to determine whether you can file for Chapter 7. Those who do not pass the means test, can apply for a Chapter 13 repayment plan as their only other bankruptcy.
The chapter 7 means test is a two-part test where you only need to pass one of them to qualify.
Is it necessary to complete the means test?
If you're going to file chapter 7 bankruptcy, you must complete Form 22A-1 which is the first section of the means test, and applies to your current monthly income (CMI) which is your average the last 6 months.
That average determines whether taking the rest of the test is necessary or not.
Taking the means test takes approximately 30 minutes if you have to go through entire form.
Try to be as accurate as possible and ensure you've added all sources of income as this information affects the results of the test.
Roommate or domestic partner contributions to income
If you are living with a roommate or domestic partner and they are contributing income to the household, the portion of their income must be included in the amount of 'household income' which is on line 4 of Form 22A-1.
If I pass, can a judge prevent me from filing Chapter 7?
Yes, at other points in the bankruptcy process, a judge could find that you're ineligible to file chapter 7 bankruptcy.
If I fail, can a judge let me file Chapter 7?
Yes. You may be permitted by a judge to file Chapter 7 bankruptcy if you are able able to show "special circumstances." i.e. job loss, massive pay cut, serious medical condition.
Means Test For Plymouth In Litchfield County, Connecticut
If you live in Plymouth In Litchfield County Connecticut, use this free chapter 7 means test to calculate whether Chapter 7 is an option for you. You can call your attorney to discuss the results or contact us for a
100% Free and Confidential Consultation.
Begin The Chapter 7 Means Test Below
If you want to save your test for future reference or bring it to your attorney, register before doing the test so the results can be saved. To easily register scroll to the top of the page.
Once you've finished the test you can print it and file it for future purposes or bring it to your Plymouth In Litchfield County bankruptcy attorney.
How many people, including yourself, live in your household?: 1 2 3 4 5 6 7 8 9 10 11 12
Form 22A-1 Supp Part I. Identify the Kind of Debts You Have
Are your debts primarily consumer debts?
Consumer debts are defined in 11 U.S.C. § 101(8) as "incurred by an individual primarily for a personal, family, or household purpose."
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Form 22A-1 Supp Part II. Determine Whether Military Service Provisions Apply to You
Are you a disabled veteran as defined in 38 U.S.C. § 3741(1)?
No Yes Did you incur debts mostly while you were on active duty or while you were performing a homeland defense activity?
10 U.S.C. § 101(d)(1); 32 § 901(1)
Are you or have you been a Reservist or member of the National Guard?
No Yes Were you called to active duty or did you perform a homeland defense activity? 10 U.S.C. § 101(d)(1); 32 U.S.C. § 901(1)
No Yes Choose the following statement that applies:
I was called to active duty after September 11, 2001, for at least 90 days and remain on active duty
I was called to active duty after September 11, 2001, for at least 90 days and and was released from active duty on a date which is fewer than 540 days before I will file this bankruptcy case.
I am performing a homeland defense activity for at least 90 days.
I performing a homeland defense activity for at least 90 days, ending on a date which is fewer than 540 days before I will file this bankruptcy case.
Form 22A-1 Part I. Calculate Your Monthly Income
What is your marital and filing status?
Not Married. Fill out Column A, lines 2-10.
Married and your spouse is filling with you. Fill out both Columns A and B, lines 2-10.
Married and your spouse is NOT filling with you. You and your spouse are:
Living in the same household and are not legally separated. Fill out both Columns A and B, lines 2-10.
Living separately or are legally separated. Fill out Column A, lines 2-10; do not fill out Column B. By choosing this option, you declare under penalty of perjury that you and your spouse are legally separated under non-bankruptcy law that applies or that you and your spouse are living apart for reasons that do not include evading the Means Test requirements. 11 U.S.C. § 707(b)(7)(B).
Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case. 11 U.S.C. § 101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount of your monthly income varied during the 6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any income amount more than once. For example, if both spouses own the same rental property, put the income from that property in one column only. If you have nothing to report for any line, write $0 in the space.
Total income from the last six (6) months, divided by six (6): Debtor's Income
(Column A)
(Column B)
Gross wages, salary, tips, bonuses, overtime, and commissions (before all payroll deductions).
Alimony and maintenance payments. Do not include payments from a spouse if Column B is filled in.
All amounts from any source which are regularly paid for household expenses of you or your dependents, including child support. Include regular contributions from an unmarried partner, members of your household, your dependents, parents, and roommates. Include regular contributions from a spouse only if Column B is not filled in. Do not include payments you listed on line 3.
Net income from operating a business, profession, or farm. Enter Gross receipts (before all deductions) minus ordinary and necessary operating expenses.
Net income from rental and other real property. Enter Gross receipts (before all deductions) minus ordinary and necessary operating expenses.
Unemployment compensation. Do not enter the amount if you contend that the amount received was a benefit under the Social Security Act. Instead, list it here:
Pension or retirement income. Do not include any amount received that was a benefit under the Social Security Act.
Income from all other sources not listed above. Do not include any benefits received under the Social Security Act or payments received as a victim of a war crime, a crime against humanity, or international or domestic terrorism.
Form 22A-1 Part II. Determine Whether the Means Test Applies to You
Annualized Monthly Income.
13 Applicable Median family Income. $59,582.00
14 The amount on Line 12 is less than or equal to the amount on Line 13. The amount on Line 12 is greater than the amount on Line 13.
Form 22A-2 Part I. Determine Your Adjusted Income
Amount from Line 11.
2 Did you fill out Column B in Part I of Form 221-1?
3 Adjust your current monthly income by subtracting any part of your spouse's income not used to pay for the household expenses of you or your dependents. Follow these steps:
On line 11, Column B of Form 22A-1, was any amount of the income you reported for your spouse NOT regularly used for the household expenses of you or your dependents?
4 Adjusted current monthly income.
Form 22A-2 Part II. Calculate Your Deductions From Your Income
The number of people used in determining your deductions from income (entered at the top of the page).
Fill in the number of people who could be claimed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support. This number may be different from the number of people in your household.
6 Food, clothing, and other items.
The "Total" amount from IRS National Standards for Food, Clothing and Other Items for the the information provided above (Litchfield County and a family size of ) found at www.usdoj.gov/ust/.
7 National Standards: healthcare.
The amount from IRS National Standards for Out-of-Pocket Health Care found at www.usdoj.gov/ust/.
Number of people under 65 years of age:
Number of people 65 years of age or older:
8 Local Standards: housing and utilities; non-mortgage expenses.
The amount of the IRS Housing and Utilities Standards; non-mortgage expenses for the information provided above (Litchfield County and a family size of ) found at www.usdoj.gov/ust/.
Local Standards: housing and utilities; mortgage/rent expenses.
The amount of the IRS Housing and Utilities Standards; mortgage/rent expense for the information provided above (Litchfield County and a family size of ) found at www.usdoj.gov/ust/ less the total of the Average Monthly Payments for any debts secured by your home as stated on Line 42.
IRS Housing and Utilities Standards; mortgage/rental expense: $0.00
Total average monthly payment for all mortgages and other debts secured by your home: $0.00
10 lf you claim that the U.S. Trustee Program's division of the IRS Local Standard for housing is incorrect and affects the calculation of your monthly expenses, fill in any additional amount you claim. (Be prepared to provide justification.)
11 Local transportation expenses. Select the number of vehicles for which you claim an ownership or operating expenses:
0 1 2 or more
Vehicle operation expense
The amount of the Operating Costs for the information provided above (Litchfield County and a family size of ) found at www.usdoj.gov/ust/.
13 Vehicle ownership or lease expense: Vehicle 1.
IRS Transportation Standards, Ownership/Lease Costs: $0.00
Average Monthly Payment for any debts secured by Vehicle 1, as stated on Line 42: $0.00
Local Standards: transportation ownership/lease expense; Vehicle 2.
Average Monthly Payment for any debts secured by Vehicle 2, as stated on Line 42: $0.00
14 Public transportation expense If you claimed 0 vehicles in line 11, you are entitled to use the Public transportation Expense from the IRS Local Standards found at www.usdoj.gov/ust/, regardless of whether you use public transportation. $0.00
Additional public transpoftation expense: If you claimed 1 or more vehicles in line 11 and if you claim that you may also deduct a public transportation expense, you may fill in what you believe is the appropriate expense, but you may not claim more than the IRS Local Standard for Public Transportation, which is .
16 Taxes: The total monthly amount that you will actually owe for federal, state and local taxes, such as income taxes, self employment taxes, social security taxes, and Medicare taxes. You may include the monthly amount withheld from your pay for these taxes. However, if you expect to receive a tax refund, you must divide the expected refund by 1 2 and subtract that number from the total monthly amount that is withheld to pay for taxes. Do not include real estate, sales, or use taxes.
17 Involuntary deductions for employment: Enter the total average monthly payroll deductions that your job are requires, such as retirement contributions, union dues, and uniform costs. Do not include amounts that are not required by your job, such as voluntary 401(k) contributions or payroll savings.
Life insurance: The total monthly premiums that you pay for your own term life insurance. If two married people are filing together, include payments that you make for your spouse's term life insurance. Do not include premiums for life insurance on your dependents, for a non-filing spouse's life insurance, or for any form of life insurancc other than term.
19 Court-ordered payments: The total monthly amount that you pay as required by the order of a court or administrative agency, such as spousal or child support payments. Do not include payments on past due obligations for spousal or child support. You will list these obligations in line 35.
20 Education: The total monthly amount that you pay for education that is either required:
as a condition for your job, or
for your physically or mentally challenged dependent child if no public education is available for similar services
Childcare: The total monthly amount that you pay for childcare, such as babysitting, daycare, nursery, and preschool. Do not include payments for any elementary or secondary school education.
22 Additional health care expenses, excluding insurance costs: The monthly amount that you pay for health care that is required for the health and welfare of you or your dependents and that is not reimbursed by insurance or paid by a health savings account. Include only the amount that is more than the total entered in line 7. Payments for health insurance, or health savings accounts should be listed only in line 25.
23 Optional telephones and telephone services: The total monthly amount that you pay for telecommunication services for you and your dependents, such as pagers, call waiting, caller identification, special long distance, or business cell phone service, to the exent necessary for your health and welfare or that of your dependents or for the production of income, if it is not reimbursed by your employer. Do not include payments for basic home telephone, internet and cell phone service. Do not include self-employment expenses, such as those reported on line 5 of Official Form 22A-1 , or any amount you previously deducted.
24 All of the expenses allowed under the IRS expense allowances
Health insurance, disability insurance, and health savings account expenses. The monthly expenses for health insurance, disability insurance, and health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents.
26 Continued contributions to the care of household or family memberc. The actual monthly expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically ill, or disabled member of your household or member of your immediate family who is unable to pay for such expenses.
27 Protection against family violence. The reasonably necessary monthly expenses that you incur to maintain the safety of you and your family under the Family Violence Prevention and Services Act or other federal laws that apply. By law, the court must keep the nature of these expenses confidential.
Additional home energy costs. Your home energy costs are included in your non-mortgage housing and utilities allowance on line 8. lf you believe that you have home energy costs that are more than the home energy costs included in the non-mortgage housing and utilities allowance, then fill in the excess amount of home energy costs. You must give your case trustee documentation of your actual expenses, and you must show that the additional amount claimed is reasonable and necessary.
29 Education expenses for dependent children less than 18. The monthly expenses (not more than $156.25* per child) that you pay for your dependent children who are younger than 18 years old to attend a private or public elementary or secondary school. You must give your case trustee documentation of your actual expenses, and you must explain why the amount claimed is reasonable and necessary and not already accounted for in lines 6-23.
* Subject to adjustment on 4/1/16, and every 3 years after that for cases begun on or after the date of adjustment.
30 Additional food and clothing expense. The monthly amount by which your actual food and clothing expenses are higher than the combined food and clothing allowances in the IRS National Standards. That amount cannot be more than 5% of the food and clothing allowances in the IRS National Standards as found at www.usdoj.gov/ust/. You must show that the additional amount claimed is reasonable and necessary.
Continuing charitable contributions. The amount that you will continue to contribute in the form of cash or financial instruments to a religious or charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2).
32 Total Additional Expense Deductions
33 For debts that are secured by an interest in property that you own, including home mortgages, vehicle loans, and othersecured debt, fill in lines 33a through 339. To calculate the total average. To calculate the total average monthly payment, add all amounts that are contractually due to each secured creditor in the 60 months after you file for bankruptcy. Then divide by 60.
Line 9b:
Line 13b:
Line 13e:
Other average monthly payments:
Are any debts that you listed in line 33 secured by your primary residence, a vehicle, or other property necessary for your support or the support of your dependents?
No Yes State any amount that you must pay to a creditor, in addition to the payments listed in line 33, to keep possession of your property (called the cure amount). Next, divide by 60.
35 Do you owe any priority claims such as a priority tax, child support, or alimony - that are past due as ot the filing date of your bankruptcy case? 11 U.S.C § 507.
No Yes Fill in the total amount of all of these priority claims. Do not include current or ongoing priority claims, such as those you listed in line 19.
36 Are you eligible to file a case under Chapter l3? 11 U.S.C § 109(e).
No Yes Fill in the pProjected monthly plan payment if you were filing under Chapter 13.
Current multiplier for your district as determined under schedules issued by the Executive Office for United States Trustees as found at www.usdoj.gov/ust/: $0.00
Total Additional Expense Deductions
38 Total Allowed Deductions
39 Monthly Disposable Income for 60 Months
41 Fill in the amount of your total nonpriority unsecured debt. lf you fill out A Summary of Your Assets and Liabilities and Certain Statistical lnformation Schedules (Official Form 6), you may refer to line 5 on that form.
Test Results: The presumption of abuse may arise:
Chapter 7 may not be an option.
Complete the rest of the form to find out.
* If combined income in last 6 months is less than $59,582.00, Chapter 7 Bankruptcy is definitely an option.
* If combined income is more than $59,582.00, there would be a "presumption of abuse" if you filed Chapter 7 Bankruptcy.
* If you believe that you are exempted from a presumption of abuse, you will need to complete the rest of the Means Test below to see if Chapter 7 Bankruptcy might be available to you.
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