Went to file today AND......

[teacher]

I'm still not okay with this. She told me to send her my May stubs. I will get one this Friday and one May 29th. She will see if I pass the means test for the end of May. If I don't, I'm not going to be able to file until the end of August because I get all of my summer pay in the beginning of June.

I told them my rent went up to 720...which it did, but she said it doesn't matter. She said I was $242 (I dunno how it went up) off of the mark with deductions like medical. Even if I get the note from my doctor about all the OTC things that I am required to get...it probably won't make a difference. I need to buy a new retainer ($142) this month, but divided by 6 I don't think it will make a difference.

I made a car payment this month and will continue to do so until it gets to the point of me actually filing. I'm just worried that some creditors might be mad over the summer and try to sue me........sigh.

[JoeBankrupt33]

It will probably be easier if your income is under median, and I have actually spoken with some lawyers who will only represent you if you are under median. But, if you are over median, then you continue to fill out the rest of the means test. I would recommend trying this yourself. There are some places in the means test where you can increase your actual expenses to reduce your DMI (disposable monthly income), including auto insurance and life insurance which I think were mentioned here.

[teacher]

Does the DMI get calculated for current month, or does it get averaged with the past 6 months like the income?