The Means Test evaluates how much disposable income the filer has to pay. If the sum is zero, then you could qualify as a Chapter 7. If the number is high, then you will qualify Chapter 13. In this.
Chapter 13 bankruptcy may be an option. If you failed the means test but want to move forward with filing for bankruptcy, explore filing for Chapter 13. What’s the difference between Chapter 7 and Chapter 13 bankruptcy? Chapter 13 bankruptcy allows you to reorganize your debt to repay some or all of it off over a three- to five-year period.
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Chapter 13 Bankruptcy Means Test. While there are specific eligibility requirements for filing a Chapter 13 bankruptcy, the Chapter 13 bankruptcy means test is primarily used to determine the length of the repayment plan.The repayment plan is either three years or five years, depending on your ability to repay your debt.
Why the means test doesn’t apply (sort of) in chapter 13. When most people think of the means test, they think of filing a chapter 7. They think of passing or failing the means test. Of being able, or being unable, to file a chapter 7 bankruptcy. But the means test functions very differently in chapter 13 bankruptcy.
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While there are specific eligibility requirements for filing a Chapter 13 bankruptcy, the Means Test for Chapter 13 is primarily used to determine the length of the repayment plan.The repayment plan is either three years or five years, depending on your ability to repay your debt. The Means Test will reveal how much disposable income you have to repay debt.
Chapter 7 Means Test Calculation: Means Test Forms. Chapter 13 Statement of Your current monthly income and Calculation of Commitment Period: Means Test Forms : B 122C-2 : Chapter 13 Calculation of Your disposable income: means test forms : Share This Page. About Federal Courts.
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