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Means Test question - CA 2 Household

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    Means Test question - CA 2 Household

    I understand that I need to input my income pre-tax from an average of 6 months income. Now for the part that states "Other Unnecessary Expenses, Actual"

    Monthly taxes
    Enter the total average monthly expense that you actually incur for all federal, state and local taxes, other than real estate and sales taxes, such as income taxes, self employment taxes, social security taxes, and Medicare taxes. Do not include real estate or sales taxes.

    Is this where I'm supposed to put that I get $1200.00 deducted from taxes every month since most of my income is from commission?

    I'll barely pass the means test without touching this box but after reading it over, my $5500.00 6 month avg. would pass easily if I place $1200 from taxes in this area. Am I doing this right or was it wrong to place the amount that gets deducted via taxes in this area?
    Retained lawyer: 3/30/10
    Filed Ch. 7: 4/07/10
    341 Meeting: 5/19/10
    Discharged: 7/26/10

    #2
    The means test is very confusing - but my understanding is you input gross income. Then where it asks for taxes, etc. you enter your deductions. The presumption of abuse part is based on gross income, but that does not automatically mean you can't qualify for a ch. 7. Consult local attorneys about your case, meet with several to see if they concur especially if you may be over the median income.
    Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
    (In the 'planning' stage, to file ch. 13 if/when we have to.)

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