They do consider you income without the bills you are filing on. The thing is for a lot of people and particularly below median filers, we pretty easily pass the means test anyway. Attorneys are great at finding your expenses, and if you do have DMI , if it is less than 10,000 over five years *and* less than 25% of your dischargable debt you are back in a chapter 7 anyway.
I learned that one thing you do not want to do unless you are one of those brave pro-se filers is sit down and just do your expenses yourself. Let an attorney's office figures out your schedule J (expenses). They know what flies in your district with the trustees, for one thing. If you are a pro se filer check re check and double check your expenses. Granted my attorney has an extreme bias towards hiring an attorney, but he said pro se filers frequently mess up big time in that area.
I learned that one thing you do not want to do unless you are one of those brave pro-se filers is sit down and just do your expenses yourself. Let an attorney's office figures out your schedule J (expenses). They know what flies in your district with the trustees, for one thing. If you are a pro se filer check re check and double check your expenses. Granted my attorney has an extreme bias towards hiring an attorney, but he said pro se filers frequently mess up big time in that area.
Comment