Question on filing date

[Trixie007]

Hi all - thanks in advance for your help! I am looking at my spreadsheets, and it seems that the ideal date to file would be April 13th - that makes my last BT check 1 year and 1 day old!

So, my question is, if you file in the middle of the month - do they look at the exact previous 6 months (ie Oct 14-Apr 13), or the full previous six months (all of Oct thru all of March) when calculating income? This makes a slight difference to us since DH had about 1k in OT on his Oct 6th pay check.

[JoeBankrupt33]

You must use your income from the last six months that ended prior to the month you are filing.

I wanted to file on January 30, but, then I would have to include my July income which was a 3 paycheck month and a bonus (which put me over the median). So, I waited until the beginning of February.

Hope this helps.

[phigment]

I am looking at my spreadsheets, and it seems that the ideal date to file would be April 13th - that makes my last BT check 1 year and 1 day old!

Obviously having a year since the last BT check makes a better case to the trustee but is there a hard and fast objection to 90 days or six months? In the end it's fairly subjective, no?

[taramaxed]

Now I am confused. I thought they only look back 90 days?

[Trixie007]

Well, waiting a full year is sort of a coincidence. No one told me to wait, but since it was a 13k transfer to my bank account, I'm happy it worked out this way. Not really worried about the Trustee, but the creditor... who knows?

[Trixie007]

Hope this helps.

That does, thanks!