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Sadly, I'm seriously contemplating a CH7 Bankruptcy. In researching my options, I've looked at the means test & have a concern relative to the "annualization". With just my average wage income (which is the only regular income I recieve) I indeed qualify. However, given the scope of the "6 month window" they ask about - during that time I had a less than $1K (401k) Distribution/Withdrawal I had to take out & relative gave me a loan of about $3K. As such, do either of these count as income for the means test calculation? Including them creates huge non-existant income which would cause failure of the test/abuse. It seems to me from some brief research here on Avvo that these should be excluded but those Q's didn't reference this specific situation. Any thoughts? Insight most appreciated!