Over Median and close to Means

[Clouddancer]

I had an initial consultation with a lawyer in Texas and he didn't seem interested in helping me when he found out I was above the median income. I plugged in numbers with the online means test and I come out about 200-300 above now, but my income will dropped in each month going forward. I was wondering if anybody with experience in Texas knows if the trustees push you to chapter 13 if you barley qualify through the means test? That is the impression I got from my initial visit with an attorney.
Also, I am not certain but if my parents have me named on their CD, will that be a problem with my bankruptcy either 7 or 13.
Thanks for the help.

[cupcake]

Regardless of what state you live in, if you have $200-300 DMI and you are over your state's median income you would be forced into a 13. And, if you are a named account holder on your parents' CD, rather than being an account beneficiary, that would most likely be considered your asset.

Did the attorney you met with run a means test at all? And, are you sure that you didn't miss any of your monthly expenses when you tried the online test?

[Clouddancer]

No, he just looked at income and since he doesn't do chapter 13's he wasn't interested. I get the impression though that the trustee can force you into Chapter 13 even if you qualify via the means test. I used the online calculator from legalconsumer. Is there another online means test that is simpler for us Texas folks to understand.

[Workinitout]

It sounds like delaying for a couple three months may enough to get you under the Median income level?

[welovedis]

We were slightly over the means and our Schedule J showed $199/mth excess. Look at my signature line and you'll see we are now being converted to a Ch 13.