Chapter 7 Means Test

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Means Test For Middlesex County, Connecticut

If you live in Middlesex County Connecticut, use this free chapter 7 means test to calculate whether Chapter 7 is an option for you. You can call your attorney to discuss the results or contact us for a

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How many people, including yourself, live in your household?: 
Form 22A-1 Supp Part I. Identify the Kind of Debts You Have
1
 Are your debts primarily consumer debts?
Consumer debts are defined in 11 U.S.C. § 101(8) as "incurred by an individual primarily for a personal, family, or household purpose."
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Form 22A-1 Supp Part II. Determine Whether Military Service Provisions Apply to You
2
 Are you a disabled veteran?
Are you a disabled veteran as defined in 38 U.S.C. § 3741(1)?

10 U.S.C. § 101(d)(1); 32 § 901(1)
3
 Are you or have you been a Reservist or member of the National Guard?
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Form 22A-1 Part I. Calculate Your Monthly Income
1
 What is your marital and filing status?

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Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case. 11 U.S.C. § 101(10A). For example, if you are filing on September 15, the 6-month period would be March 1 through August 31. If the amount of your monthly income varied during the 6 months, add the income for all 6 months and divide the total by 6. Fill in the result. Do not include any income amount more than once. For example, if both spouses own the same rental property, put the income from that property in one column only. If you have nothing to report for any line, write $0 in the space.
Total income from the last six (6) months, divided by six (6): Debtor's Income
(Column A)
 Spouse's Income
(Column B)
2
Gross wages, salary, tips, bonuses, overtime, and commissions (before all payroll deductions).
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3
 Alimony and maintenance payments. Do not include payments from a spouse if Column B is filled in.

4
 All amounts from any source which are regularly paid for household expenses of you or your dependents, including child support. Include regular contributions from an unmarried partner, members of your household, your dependents, parents, and roommates. Include regular contributions from a spouse only if Column B is not filled in. Do not include payments you listed on line 3.

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5
Net income from operating a business, profession, or farm. Enter Gross receipts (before all deductions) minus ordinary and necessary operating expenses.
6
Net income from rental and other real property. Enter Gross receipts (before all deductions) minus ordinary and necessary operating expenses.
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7
 Interest, dividends, and royalties.

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8
 Unemployment compensation. Do not enter the amount if you contend that the amount received was a benefit under the Social Security Act. Instead, list it here:
Debtor:
Spouse:


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9
 Pension or retirement income. Do not include any amount received that was a benefit under the Social Security Act.

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10
 Income from all other sources not listed above. Do not include any benefits received under the Social Security Act or payments received as a victim of a war crime, a crime against humanity, or international or domestic terrorism.

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11
Subtotals
Total

Form 22A-1 Part II. Determine Whether the Means Test Applies to You
12
Annualized Monthly Income.
13Applicable Median family Income.$59,582.00
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14The amount on Line 12 is less than or equal to the amount on Line 13. The amount on Line 12 is greater than the amount on Line 13.


Form 22A-2 Part I. Determine Your Adjusted Income
1
Amount from Line 11.
2 Did you fill out Column B in Part I of Form 221-1?
3 Adjust your current monthly income by subtracting any part of your spouse's income not used to pay for the household expenses of you or your dependents. Follow these steps:
On line 11, Column B of Form 22A-1, was any amount of the income you reported for your spouse NOT regularly used for the household expenses of you or your dependents?
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4Adjusted current monthly income.

Form 22A-2 Part II. Calculate Your Deductions From Your Income
5
 The number of people used in determining your deductions from income (entered at the top of the page).
Fill in the number of people who could be claimed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support. This number may be different from the number of people in your household.
1
6 Food, clothing, and other items.
The "Total" amount from IRS National Standards for Food, Clothing and Other Items for the the information provided above (Middlesex County and a family size of ) found at www.usdoj.gov/ust/.
$715.00
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7 National Standards: healthcare.
The amount from IRS National Standards for Out-of-Pocket Health Care found at www.usdoj.gov/ust/.
Number of people under 65 years of age:
Number of people 65 years of age or older:
$0.00
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8 Local Standards: housing and utilities; non-mortgage expenses.
The amount of the IRS Housing and Utilities Standards; non-mortgage expenses for the information provided above (Middlesex County and a family size of ) found at www.usdoj.gov/ust/.
$0.00
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9
 Local Standards: housing and utilities; mortgage/rent expenses.
The amount of the IRS Housing and Utilities Standards; mortgage/rent expense for the information provided above (Middlesex County and a family size of ) found at www.usdoj.gov/ust/ less the total of the Average Monthly Payments for any debts secured by your home as stated on Line 42.
IRS Housing and Utilities Standards; mortgage/rental expense: $0.00
Total average monthly payment for all mortgages and other debts secured by your home: 		$0.00
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10 lf you claim that the U.S. Trustee Program's division of the IRS Local Standard for housing is incorrect and affects the calculation of your monthly expenses, fill in any additional amount you claim. (Be prepared to provide justification.)
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11 Local transportation expenses. Select the number of vehicles for which you claim an ownership or operating expenses:
 
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12
 Vehicle operation expense
The amount of the Operating Costs for the information provided above (Middlesex County and a family size of ) found at www.usdoj.gov/ust/.
$0.00
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13 Vehicle ownership or lease expense: Vehicle 1.
IRS Transportation Standards, Ownership/Lease Costs: $0.00
Average Monthly Payment for any debts secured by Vehicle 1, as stated on Line 42: 		$0.00
Local Standards: transportation ownership/lease expense; Vehicle 2.
IRS Transportation Standards, Ownership/Lease Costs: $0.00
Average Monthly Payment for any debts secured by Vehicle 2, as stated on Line 42: 		$0.00
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14Public transportation expense If you claimed 0 vehicles in line 11, you are entitled to use the Public transportation Expense from the IRS Local Standards found at www.usdoj.gov/ust/, regardless of whether you use public transportation.$0.00
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15
 Additional public transpoftation expense: If you claimed 1 or more vehicles in line 11 and if you claim that you may also deduct a public transportation expense, you may fill in what you believe is the appropriate expense, but you may not claim more than the IRS Local Standard for Public Transportation, which is .
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16Taxes: The total monthly amount that you will actually owe for federal, state and local taxes, such as income taxes, self employment taxes, social security taxes, and Medicare taxes. You may include the monthly amount withheld from your pay for these taxes. However, if you expect to receive a tax refund, you must divide the expected refund by 1 2 and subtract that number from the total monthly amount that is withheld to pay for taxes. Do not include real estate, sales, or use taxes.
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17Involuntary deductions for employment: Enter the total average monthly payroll deductions that your job are requires, such as retirement contributions, union dues, and uniform costs. Do not include amounts that are not required by your job, such as voluntary 401(k) contributions or payroll savings.
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18
Life insurance: The total monthly premiums that you pay for your own term life insurance. If two married people are filing together, include payments that you make for your spouse's term life insurance. Do not include premiums for life insurance on your dependents, for a non-filing spouse's life insurance, or for any form of life insurancc other than term.
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19Court-ordered payments: The total monthly amount that you pay as required by the order of a court or administrative agency, such as spousal or child support payments. Do not include payments on past due obligations for spousal or child support. You will list these obligations in line 35.
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20 Education: The total monthly amount that you pay for education that is either required:
  • as a condition for your job, or
  • for your physically or mentally challenged dependent child if no public education is available for similar services
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21
Childcare: The total monthly amount that you pay for childcare, such as babysitting, daycare, nursery, and preschool. Do not include payments for any elementary or secondary school education.
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22Additional health care expenses, excluding insurance costs: The monthly amount that you pay for health care that is required for the health and welfare of you or your dependents and that is not reimbursed by insurance or paid by a health savings account. Include only the amount that is more than the total entered in line 7. Payments for health insurance, or health savings accounts should be listed only in line 25.
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23Optional telephones and telephone services: The total monthly amount that you pay for telecommunication services for you and your dependents, such as pagers, call waiting, caller identification, special long distance, or business cell phone service, to the exent necessary for your health and welfare or that of your dependents or for the production of income, if it is not reimbursed by your employer. Do not include payments for basic home telephone, internet and cell phone service. Do not include self-employment expenses, such as those reported on line 5 of Official Form 22A-1 , or any amount you previously deducted.
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24All of the expenses allowed under the IRS expense allowances
25
Health insurance, disability insurance, and health savings account expenses. The monthly expenses for health insurance, disability insurance, and health savings accounts that are reasonably necessary for yourself, your spouse, or your dependents.
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26Continued contributions to the care of household or family memberc. The actual monthly expenses that you will continue to pay for the reasonable and necessary care and support of an elderly, chronically ill, or disabled member of your household or member of your immediate family who is unable to pay for such expenses.
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27Protection against family violence. The reasonably necessary monthly expenses that you incur to maintain the safety of you and your family under the Family Violence Prevention and Services Act or other federal laws that apply. By law, the court must keep the nature of these expenses confidential.
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28
Additional home energy costs. Your home energy costs are included in your non-mortgage housing and utilities allowance on line 8. lf you believe that you have home energy costs that are more than the home energy costs included in the non-mortgage housing and utilities allowance, then fill in the excess amount of home energy costs. You must give your case trustee documentation of your actual expenses, and you must show that the additional amount claimed is reasonable and necessary.
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29 Education expenses for dependent children less than 18. The monthly expenses (not more than $156.25* per child) that you pay for your dependent children who are younger than 18 years old to attend a private or public elementary or secondary school. You must give your case trustee documentation of your actual expenses, and you must explain why the amount claimed is reasonable and necessary and not already accounted for in lines 6-23.
* Subject to adjustment on 4/1/16, and every 3 years after that for cases begun on or after the date of adjustment.
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30Additional food and clothing expense. The monthly amount by which your actual food and clothing expenses are higher than the combined food and clothing allowances in the IRS National Standards. That amount cannot be more than 5% of the food and clothing allowances in the IRS National Standards as found at www.usdoj.gov/ust/. You must show that the additional amount claimed is reasonable and necessary.
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31
Continuing charitable contributions. The amount that you will continue to contribute in the form of cash or financial instruments to a religious or charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2).
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32Total Additional Expense Deductions
33 For debts that are secured by an interest in property that you own, including home mortgages, vehicle loans, and othersecured debt, fill in lines 33a through 339. To calculate the total average. To calculate the total average monthly payment, add all amounts that are contractually due to each secured creditor in the 60 months after you file for bankruptcy. Then divide by 60.
Line 9b:
Line 13b:
Line 13e:
Other average monthly payments:
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34
 Are any debts that you listed in line 33 secured by your primary residence, a vehicle, or other property necessary for your support or the support of your dependents?
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35 Do you owe any priority claims such as a priority tax, child support, or alimony - that are past due as ot the filing date of your bankruptcy case? 11 U.S.C § 507.
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36 Are you eligible to file a case under Chapter l3? 11 U.S.C § 109(e).


Current multiplier for your district as determined under schedules issued by the Executive Office for United States Trustees as found at www.usdoj.gov/ust/: $0.00
$0.00
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37
Total Additional Expense Deductions
38Total Allowed Deductions
39Monthly Disposable Income for 60 Months
40
41 Fill in the amount of your total nonpriority unsecured debt. lf you fill out A Summary of Your Assets and Liabilities and Certain Statistical lnformation Schedules (Official Form 6), you may refer to line 5 on that form.
42

Test Results: The presumption of abuse may arise:
Chapter 7 may not be an option.
Complete the rest of the form to find out.


* If combined income in last 6 months is less than $59,582.00, Chapter 7 Bankruptcy is definitely an option.
* If combined income is more than $59,582.00, there would be a "presumption of abuse" if you filed Chapter 7 Bankruptcy.
* If you believe that you are exempted from a presumption of abuse, you will need to complete the rest of the Means Test below to see if Chapter 7 Bankruptcy might be available to you.

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