I rent a room in a house so I consider myself a household of 1, and I make 1800 a month gross.
If your income is below the medican income you still have to fill out the means test on the income side of the house. the rest of the form is left blank. You fill in up to and including line 14-15
You only need to fill out the first portion that shows your income is below median. You won't have to fill out the remainder of the means test. However, it is often misunderstood that the means test is the only time that the court looks at your income. Your income is also evaluated on Schedules I & J. The means test essentially looks backwards, and Schedules I & J look present and forward. I wrote a blog about this that I placed in a link below if you want to read more. In summary, someone can "pass" the means test, but "fail" I & J, meaning that they will not qualify for Chapter 7, but will be required to file Chapter 13 because they have too much income.
Think of the single person who just lands a job that pays him $100,000, and files bankruptcy the next day. He would pass the means test because it looks backwards, and he is below median. But depending on his income and expenses going forward, he may get snagged by I & J if he has lots of disposable income and little in the way of expenses. With $1,800 a month, I bet you can find plenty of expense that eat away at your income so that you still qualify. Work with an attorney to help you navigate these issues. Good luck.
This information is not, nor is it intended to be, legal advice. This does not constitute the formation of an attorney-client relationship. You should consult an attorney for individual advice regarding the specifics of your situation. JC Law Group is a debt relief agency. We help people find relief by filing bankruptcy in California under the Bankruptcy Code.
Fill out the first part of the B22, indicating your average monthly income and then comparing it to the median income for a household of your size in California. Since your income is below the CMI, you pass and skip the rest of the form. Check the box on the top right of page one on the B22 saying "the presumption (of abuse) does not arise".
Bankruptcy depends upon full analysis of all of your debt, assets and income. So, please retain counsel to guide you through the complexities of bankruptcy law and procedure. Good luck with it.
This answer should not be construed as actual legal advice, which can only be provided in an office consultation by an attorney in your jurisdiction knowledgeable with respect to the area of law in which your concern lies.
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