Took a sample means test

[TBLTZ]

Does this look like abuse?

48 Enter the amount from Line 18 (Monthly Income)
$7,004
49 Enter the amount from Line 47 (All Deductions from Income)
$ 7,362
50 Monthly disposable income (Line 48 - Line 49) $ -358
51 60-month disposable income (Line 50) x 60
Amount you could pay in a hypothetical five-year Chapter 13 plan.
$ -21,504

52 Initial presumption determination
IF RESULT
Amount on Line 51 is less than $6,575 Pass Means test
Amount on Line 51 is more than $10,950 Fail Means Test
Amount on Line 51 is more than $6,575 but less than $10,950 Pass IF Line 51 < Line 54
Fail IF Line 51 > Line 54
Because the amount on line 51 is less than $6,575, the presumption of abuse does not arise. You pass the means test. Do not complete the remainder of Part 6

Do you think this would pass for chap 7 or is this going to bring up flags.

What puts me in the negative is a housepayment 2k
Childcare.
Carpayment.
Out of pocket health expenses.

[justbroke]

It depends what's in that "All Deductions from Income" number ($7,362). For an initial "test", it looks fine as you have negative disposable income (which is what you want).

Assuming that house payment is $2K, payroll taxes of $2K, where's the other $3.3K?

[TBLTZ]

It depends what's in that "All Deductions from Income" number ($7,362). For an initial "test", it looks fine as you have negative disposable income (which is what you want).

Assuming that house payment is $2K, payroll taxes of $2K, where's the other $3.3K?

417$-Carpayment
500-Childcare
180 Health Insurance
579-Carpayment
the rest is standard state deducations that the means test gives you.

[justbroke]

417$-Carpayment
500-Childcare
180 Health Insurance
579-Carpayment
the rest is standard state deducations that the means test gives you.

They may gripe about that $579 2nd car payment, but deal with that then. It wouldn't even matter since you're so far in the hole. What I mean is, even if they said you can only claim $489 for that car (the national standard), the difference of $90 isn't going to make your disposable income positive... so don't worry!

Other than that... looks good to me.

[TBLTZ]

They may gripe about that $579 2nd car payment, but deal with that then. It wouldn't even matter since you're so far in the hole. What I mean is, even if they said you can only claim $489 for that car (the national standard), the difference of $90 isn't going to make your disposable income positive... so don't worry!

Other than that... looks good to me.

what i wil probably do is buy a new used car with a payment of 300-400 a month and let them repossess the 579 car when we file bk.