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Galveston, TX
-- Friday, April 23rd, 2021
  1. US
  2. Texas
  3. Galveston County
  4. Galveston
Galveston, TX
  • Introduction
  • TOC
  • Form B122A-1 (Income)
  • Form B122A-1Supp (Exceptions)
  • Form B122A-2 (Expense Deductions)
  • Means Test Result

Bankruptcy Means Test Calculator For Galveston, TX

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Bankruptcy Means Test Calculator
for Galveston, Texas (Galveston County)

For cases filed On or After April 1, 2021

Based on numbers published by the U.S. Trustee's office for Cases Filed On or After April 1, 2021.)

Welcome to the Means Test Calculator

Hello, and welcome to the means test calculator, based on the revised means test forms, effective 4/3/2020, inclduding the latest Coronavirus updates. Note: Payments under the CARES Act are specifically EXCLUDED from monthly income (see line 10 of form 122A).

The calculator does NOT ask for and personal identifying information, other than your zip code, to choose the correct county to lookup expense standards. We've tested the calculator, and feel it's worthy of launching to the public. It's free to use. Please let us know if you find any flaws, and we will fix them.

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[Top] | [ Intro ] | [ TOC ] | [ Form B122A-1 ] | [ Form B122A-1Supp] | [ Form B122A-2 ]

Introduction: Are You Eligible for Chapter 7 Bankruptcy?

Despite what you may have heard about changes in bankruptcy law back in 2005, most people who need bankruptcy protection are still eligible.

This calculator will help you find out

The Means Test Calculator applies the formulas, regional income and expense standards, and calculations of the new "means test" that is a cornerstone of BAPCPA, the 2005 bankruptcy law (11 U.S.C. 707(b)). It uses the language and formatting of Official Form B122A-1, Official Form B122A-1Supp, and Official Form B122A-2 , just a few of several forms you will need to complete if you decide to file for bankruptcy.

Read the instructions carefully (for the official instructions for PDF forms, click here -- they don't say much). If you are unsure whether an item applies to your situation, make a note of your question. Ask a bankruptcy lawyer about it if you go for a free consultation.

Means Test FAQ

  • What Is the Means Test?
  • Do I Need to Complete the Means Test?
  • How Long Does The Means Test Take?
  • How is "Household Size" Defined in the Bankruptcy Median Income Test?
  • Contributions of Roommates or Domestic Partners to Household Income
  • Median Income Test Notes
  • If I Pass the Means Test, Can I still be barred from filing bankruptcy?
  • If I fail the Means Test, can a judge allow me to file anyway?
  • What are "priority claims"?
  • Line by Line Means Test Positions of the U.S. Trustee 4/23/2010

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Texas "Median Income" Test

If your monthly household income is less than the Texas median income for a household of your size, you are presumed to be eligible to file for Chapter 7 bankruptcy under Section 707(b)(2). Compare your household income over the past six calendar months to the state median.

Texas Bankruptcy InformationMedian Household Income Test for Texas

Compare your household income to the Texas median income.

For Cases Filed on or after April 1, 2021.

Form B122A-1 requires you to total your income for the last six calendar months, average it, then annualize it, and then compare it to the Texas median for your size household. If your income is below this amount, you meet the requirements of the "means test" (section 707(b)(2) of the bankruptcy code) to qualify for Chapter 7 bankruptcy. The chart below makes it a bit simpler to figure out. Compare your six-month total income over the last six calendar months to the "6 Mo. Total" in the chart below to get a rough idea of which side of the line you fall. Pay attention to the rules about household size.

Texas Median Income Test
Form B122A-1 (Line 13)

HH Size Monthly Income 6 Mo. Total Annual Income
1 $4,413 $26,477 $52,953
2 $5,941 $35,644 $71,287
3 $6,426 $38,555 $77,110
4 $7,433 $44,598 $89,196
5 $8,183 $49,098 $98,196
6 $8,933 $53,598 $107,196
7 $9,683 $58,098 $116,196
8 $10,433 $62,598 $125,196
9 $11,183 $67,098 $134,196
10 $11,933 $71,598 $143,196
< If LESS You Pass! - Chapter 7 is an option. Not legally required to complete Form B122A-2, but may want to anyway.*
> If MORE - Keep Going! - You must complete Form B122A-2 to determine if Chapter 7 is available.

Sources: U.S. Trustee Program, Department of Justice , 11 U.S.C. Sec. 707(b)(7) exclusion. Official Form B122A-1, Line 13

Source: U.S. Trustee, U.S. Department of Justice (for bankruptcy cases filed on or after April 1, 2021)

(*The applicable household size is the number that would currently be allowed as exemptions on your federal income tax return, plus the number of any additional dependents whom you support.)

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Expense Standards for Galveston County, Texas

For cases filed on or after April 1, 2021
  EXPENSES
Family of Mortage & Rent Non-Mortgage Housing expenses
1 $1242 $513
2 $1459 $602
3 $1537 $635
4 $1714 $708
5 $1742 $719
6 $1742 $719
7 $1742 $719
8 $1742 $719
9 $1742 $719
10 $1742 $719
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Galveston County, TX
Means Test Calculator TOC
Table of Contents

[Top] | [ Intro ] | [ TOC ]
Form 122A-1: (Income) Line >>
Filing Status: 1
Income: 2 3 4 5 6 7 8 9 10 11 12
Household Size: 13 14
Form 122A-1Supp Line >> 1 2 3
Form 122A-2: (Expenses) Line >>
Income Adjustments: 1 2 3 4
Household Size: 5
Nat'l Stds: 6 7
Local Stds: 8 9 10
- Transportation: 11 12 13 14 15
Other Neccy: 16 17 18 19 20 21 22 23 24
Adtl. Exp.: 25 26 27 28 29 30 31 32
Debt Pmts: 33 34 35 36 37
Final Results: 38 39 40 41 42 43

The five lines required to make the means test lookups work
  1. Marital/Filing Status: [] (Form 122A-1, Line 1)
  2. Household Size: [] (for median income) (Form 122A-1, Line 13)
  3. Number of Dependents: [] (for exepense allowances) (Form 122A-2, Line 5)
  4. Persons for whom you pay healthcare:
    under 65
    : [] (Form 122A-2, Line 7)
    65 and over: [] (Form 122A-2, Line 7)
  5. Number of Vehicles you maintain: [] (Form 122A-2, Line 11)

Form 122A-1
(Median Income Test)

  • Part1: Calculate Your Current Income
    • Marital and Filing Status (Single/Married/Separated,etc.) (Line 1) []
    • Income
      • Wages (Line 2) [$0] [$0]
      • Alimony (Line 3) [$0] [$0]
      • Contributions from others (Line 4) [$0] [$0]
      • Business or Farm Income (Line 5) [$0] [$0]
      • Rental Income (Line 6) [$0] [$0]
      • Investment Income (interest, dividends, royalties) (Line 7) [$0] [$0]
      • Unemployment (Line 8) [$0] [$0]
      • Pensions & Retirement Income (not SS) (Line 9) [$0] [$0]
        • Other Income (Line 10) [, $0] [, $0] [, $0], [, $0] [, $0] [, $0]
        • TOTAL INCOME (Line 11) [$0] [$0] [$0]
  • Part 2: Determine Whether the Means Test Applies to You
    • Your Annual Income (Line 12) [$0]
    • Number of persons in your Household (Line 13) [0]
      • Median Annual Income in Texas for that size household (Line 13) [$0]
    • Line 14 compares your total household income (Line 12) to the median income for a household of your size in your state, Texas. (Line 13)

Form 122A-1Supp
(Exclusions for Non-Consumer Debtors, & some Veterans and National Guard Debtors)

  • Part 1: Identify the Kind of Debts You Have
  • Part 2: Determine Whether Military Service Provisions Apply to You

Form 122A-2
("Means Test" Disposable Income After Allowed Expense Deductions)

  • Part 1: Determine Your Adjusted Income
  • Part 2: Calculate Your Deductions from Your Income
    • Number of Dependents for Expense Deductions (Line 5) [0]
    • National Standards (Expense allowances)
      • Food & Clothing & Other Items (Line 6) [$0]
      • Out of Pocket Health Care Costs (Line 7) [$0]
        • Number of persons under 65 [0], over 65 [0]
    • Local Standards (Expense allowances)
      • Housing Maintenance Expenses (Line 8) [$0]
      • Housing Ownership/Lease Expenses (Line 9) [$0]
        • Monthly Mortgage Payments (Line 9b) [$0]
      • Transportation (Lines 11, 12, 13, 14)
        • Number of Vehicles (Line 11) [0]
        • Operation Allowance (Line13) [$0]
        • Car/Truck Loan Payments (Line 13b, 13e)
          • Monthly Allowance [$0], [$0]
          • Actual Expense [$0], [$0] (also on Line 33)
          • Transportation Deduction Total [$0], [$0]
    • Other Necessary Expenses
      • Taxes (Line 16) [$0]
      • Payroll Deductions (Line 17) [$0]
      • Life Insurance (Line 18) [$0]
      • Court-ordered Payments (Line 19) [$0]
      • Education for job or for mentally challenged dependent (Line 20) [$0]
      • Childcare (Line 21) [$0]
      • Addition health care expenses (Line 22) [$0]
      • Optional telephone services (Line 23) [$0]
    • Additional Expense Deductions
      • Health Insurance, HSA, & Disability Expenses (Line 25) [$0]
      • Care of disabled or elderly dependents (Line 26) [$0]
      • Protection against family violence (Line 27) [$0]
      • Additional home energy costs (Line 28) [$0]
      • Education expenses for children under 18 (Line 29) [$0]
      • Additional Food & Clothing Expense (Line 30) [$0]
      • Continuing charitable contributions (Line 31) [$0]
    • Deductions for Debt Payment (Secured Debt)
      • Ongoing payment on Secured Debts (Line 33) [$0]
        • Home Mortgages [$0] (From Line 9b)
        • Loan for Vehicle 1 [$0] (From Line 13b)
        • Loan for Vehicle 2 [$0] (From Line 13e)
        • Other Secured Debts
      • Secured Debt Arrearages on Family Home (Line 34) [$0]
      • Priority Claims (past due taxes, child support, alimony) (Line 35) [$0]
      • Hypothetical Chapter 13 expenses (Line 36) [$0]
    • Total Deductions From Income [$0]
  • Part 3: Determine Whether There Is a Presumption of Abuse
    • 1st Test Disposable Income Test
      • Adjusted Income [$0]
      • Expense Deductions [$0]
      • Disposable Income [$0]
      • 1st Test RESULT
    • 2nd Test (if monthly disposable income between $136.25 and $227.50)
      • 25% of Non-Priority, Unsecured Debts [$0]
      • 60 Months of Disposable Income [$0]
      • 2nd Test RESULT
  • Part 4: Give Details About Special Circumstances

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Need a Lawyer?

Check out the LegalConsumer's "Bankruptcy Lawyers Serving Galveston, Texas" page.

What Is the Means Test?

What is the means test?

The 2005 bankruptcy law (BAPCPA) imposed a "means test" on who can file for Chapter 7 bankruptcy.

You might think this test prevents you from filing. But, chances are, you're wrong. Most people considering bankruptcy have no trouble passing the means test. Indeed, some lawyers think more people qualify for Chapter 7 under this test than under the old law, where judges had no fixed formula.

Use this calculator find out where you stand.

The Formula

The law now uses a standard mathematical formula to determine whether you can file for Chapter 7 -- or, to put it in legal terms, whether filing for Chapter 7 would be an 'abuse' of the bankruptcy system. (Those who fail the means test, are left with a Chapter 13 repayment plan as their only bankruptcy option.)

The means test is actually a two-part test and you only need to pass one of them to qualify for Chapter 7.

Test 1. "Median Income" (Form 22A-1)
This is a very simple test that compares your average household income for the past six calendar months to the median income for your state, If your income is below the median, you qualify for Chapter 7. If it is above the median, you must pass Test 2.

Test 2. "Disposable Income" (Form 22A-2)
This test deducts expenses from your income to determine how much you can pay your unsecured creditors over the next five years:

  • If you can pay at least $13,650 ($227.50 per month), you can't file for Chapter 7.
  • If you can pay at least $8,175 ( about $136.25 per month)
    • and that is at least 25% of what you currently owe your unsecured creditors, you can't file for Chapter 7.
  • If your disposable income is less than $136.25 per month, you can file for Chapter 7.

Certain deductions are standard allowances based on the number of vehicles you operate, the number of people in your household, and the cost of living in .

In addition, to these standard deductions, you can also deduct the full amount of certain actual expenses such as mortgage and vehicle loan payments.

 

Do I Need to Complete the Means Test?

Do I need to complete the means test?

If you are filing for Chapter 13 bankruptcy, you do not need to complete the means test. However, you do need to complete a form almost identical to it — and that will determine how much you must pay in a Chapter 13 plan.

If you want to file for Chapter 7 bankruptcy, you must at least complete Form 22A-1 to figure your "current monthly income" (CMI), which is based on your average income over the past six calendar months. That number will determine whether you must complete the rest of the form.

If your CMI is below the median income for for a household your size, then you do not need to complete Form 22A-2.

If your CMI is higher than the median for for a household your size, you must complete Form 22A-2 to compute your monthly "disposable" income (that is, income minus expenses). The result of that computation will determine whether you are eligible for Chapter 7 bankruptcy.

How Long Does The Means Test Take?

How long does this take?

Using this calculator takes about 20 minutes. For some, the answer may be obvious after only a few questions.

Is it private?

This calculator is completely anonymous. We do not ask -- and no not want -- any personally identifying information linking you to these numbers, other than a zip code. We do keep statistical data on amounts that user have entered, so that the site may monitor the needs of its users and adjust services accordingly. However, To us, this is data for statistical analysis only. For more information. See the privacy notice.

Garbage in, garbage out

If you don't put in the correct numbers in the correct blanks, this calculator won't give you an accurate result. It only does the math. It is your responsibility to put the right numbers in the right blanks. Helpful resources are available throughout the test to help you figure out what the form is asking for and what to put where.

Be sure to account for all the different kinds of income you receive. If you're not sure what to put in an 'expense' blank, skip it. You may find that it doesn't' matter -- that is, you may qualify regardless of what number you put in that blank.

If you need assistance, this website offers advertisements from lawyers who can help.

Where to find the Official Means Test form

If you end up actually filing for Chapter 7 bankruptcy you need to fill out the new  Official Forms (22A-1, 22A-2), effective 12/1/2014. which you can find here. This calculator is based on that form.

How is "Household Size" Defined in the Bankruptcy Median Income Test?

Household Size: When is a family of 3 not a family of 3?

The issue of household size can be tricky in cases of shared custody, children who live at college part of the year, or non-custodial children living in the household.

There will undoubtedly be litigation on this subject. The official form seems to suggest that the issue is whether the person is part of the household and is a dependent. (That is, you can't include a roommate who is not your dependent in your household size, yet you may have to include the portion of their income that contributes to the overall income of the household. See the help topic on that subject. This can be an issue for same-sex couples who cannot legally marry.)

RELATED INFO:

In April 2010, the United States Trustee's office issued a PDF of their official position on legal issues surrounding each line of the Chapter 7 means test form 22A. Keep in mind that the Trustee tends to protect creditor interests, so a debtor's bankruptcy attorney may not agree with every one of these positions. That said, if you can easily pass the means test under the trustee's relatively stingy interpretation of the rules, all the better.

The U.S. Trustee's Office's official statement (released April 2010) on how to fill out form 22A takes the the following position on how to fill out the means test:

OLD FORM Line 14, (New form 22A-1, Line 13) Applicable median family income.

  • "Applicable state" is state of residence at filing.
  • If married and two different households, residence is where most family members reside.
  • If no plurality of family members are in any one state, use state of spouse with highest income.
  • "Household size" is the debtor, debtor's spouse, and any dependents that the debtor could claim under IRS dependency tests. The USTP uses the same IRS test for the definition of both"household" and "family." IRS Publication 501 explains the IRS tests for "dependent."
  • The USTP departs from the IRS dependent test (as does the IRS when it determines family size for collection purposes) in cases justifying "reasonable exceptions" (e.g. a long standing economic unit of unmarried individuals and their children). However, if an individual is counted as a family member for median income purposes, that individual's income should be included as income on Part II of Form 22A .

OLD Form Line 8 (New Form 22A-1 Line 4) of the means test:

  • Includes payments made monthly, quarterly, or annually.
  • Includes payments regardless of written agreement with contributor.
  • Includes payments from roommate, partner, parent, or relative, regardless of whether living with debtor.
  • Includes payments made directly to creditors on behalf of debtor, e.g., rent, car, or insurance.
  • Does not include payments from non-filing spouse (which are already included as income in Column B).

Contributions of Roommates or Domestic Partners to Household Income

Contributions of roommates or domestic partners to household income

At least one site on the web has addressed this issue. King's Bankruptcy Media (a lawyer's website) states what appears to be the correct rule: that, if a roommate or domestic partner is contributing income to the household, then that portion of the roommate's income must be included in the overall amount of 'household income' on line 4 of Form 22A-1, where it asks for "contributions to household income."

RELATED INFO:

The U.S. Trustee's Office's official statement (released April 2010) on how to fill out form 22A takes the the following position on how to fill out the means test:

Old Form Line 14 (New Form 22A-1 Line 13, Applicable median family income.

  • "Applicable state" is state of residence at filing.
  • If married and two different households, residence is where most family members reside.
  • If no plurality of family members are in any one state, use state of spouse with highest income.
  • "Household size" is the debtor, debtor's spouse, and any dependents that the debtor could claim under IRS dependency tests. The USTP uses the same IRS test for the definition of both"household" and "family." IRS Publication 501 explains the IRS tests for "dependent."
  • The USTP departs from the IRS dependent test (as does the IRS when it determines family size for collection purposes) in cases justifying "reasonable exceptions" (e.g. a long standing economic unit of unmarried individuals and their children). However, if an individual is counted as a family member for median income purposes, that individual's income should be included as income on Part II of Form 22A .

Old Form Line 8 (New Form 22A-1, Line 4), Any amounts paid by another person or entity, on a regular basis, for the household expenses of the debtor or the debtor's dependents, including child or spousal support.

  • Includes payments made monthly, quarterly, or annually.
  • Includes payments regardless of written agreement with contributor.
  • Includes payments from roommate, partner, parent, or relative, regardless of whether living with debtor.
  • Includes payments made directly to creditors on behalf of debtor, e.g., rent, car, or insurance.
  • Does not include payments from non-filing spouse (which are already included as income in Column B).

 

Median Income Test Notes

Median Income Test Explained

The bankruptcy law determines your income by looking at your household income during the six full calendar months before you file for bankruptcy.

Effect of the six-month income rule

If your income declined suddenly within the past six months and has not yet increased, waiting until after the first of the month to file will lower your monthly income figure used for the means test. That is, even if you don't qualify this month, you may qualify after the first of next month, or the month after that, if your income remains below the average monthly income for your state.

Effect of the number of people in your household

You may have noticed already that changing the number of persons in the household dramatically affects the median income figure. You can't include a roommate who is not your dependent in your household size, yet you may have to include the portion of their income that contributes to the overall income of the household. See the help topic on that subject.

If your six-month household income was more than 's median income for a household of your size, don't fret. Fill out Form B122A-2 (Expense Deductions).

You probably still qualify for Chapter 7, but you'll need to answer more questions to find out. Most people qualify once all factors are taken into account.

Info is not advice

This site points to numerous books, articles and services that can help you figure out whether it makes sense for you to file for bankruptcy.

However, this website cannot answer whether you, specifically, should or should not file for bankruptcy.

If you're still not sure whether bankruptcy is right for you, you may want to seek credit counseling from a reputable agency or consult a lawyer.

 

* If your six-month household income was less than the median for your state, consider this:

Complete Form B122A-1 of the calculator to make sure that you've properly computed your income. Although you are not legally required to complete Form B122A-2, the "expenses" part of the means test, it will give you a sense of how a judge or trustee might view your ability to pay.

Some judges look to your ability to pay as part of the "totality of the circumstances" test (Section 707(b)(3)), and will bar you from Chapter 7 bankruptcy, whether your income is above or below the median.

Bottom line: Whatever your income, if the calculator indicates that you have money left over after expenses, study the list of allowed expenses in the means test form and fill in any that apply.

Another thing to worry about: Some judges may rely on different required forms as guides in looking at the "totality of the circumstances" under 707(b)(3): Specifically Form B 106, Schedules I and J. These forms also deal with income and expenses but can yield a different "disposable income" result than the means test form (Form B122A) because different things are allowed and excluded on each form. Most notably, the means test income formula (and this calculator) excludes income from Social Security benefits, while Schedule I does not. Whether your Social Security income can render you ineligible for Chapter 7 is an unsettled area of law. At least one court has ruled that, by enacting the means test as it did, Congress intended that Social Security income be excluded when determining Chapter 7 eligibility; however, it still must be reported on Schedule I.

If you have significant income from Social Security benefits, be aware of this issue.

If I Pass the Means Test, Can I still be barred from filing bankruptcy?

If I Pass the Means Test, Can I still be barred from filing bankruptcy?

Yes, you can still be barred from filing Chapter 7 bankruptcy.

Passing the means test removes one barrier: it means that you are not "presumed" to be "abusing" the bankruptcy system under 707(b)(2).It is an essential first step, and for most people, that is that. They are clear to file.

However, in some cases, a bankruptcy judge may rule that case should be dismissed because to the "totality of the circumstances" under707(b)(3).

Example 1: In Iowa, a judge ruled that a debtor was abusing the system because in the year preceding his bankruptcy, he received substantial sums of money from various sources and spent it all on unnecessary indulgences, rather than pay down his debt. In re James, 345 B.R. 664 (Bkrtcy.N.D.Iowa 2006).

And, while the means test income analysis looks backward, a court can use 707(b)(3) to look forward.

Example 2: In another example, a Northern California court denied a debtor the right to file Chapter 7 because the debtor was about to have a substantial increase in income. In re Pak, 343 B.R. 239 (Bkrtcy.N.D.Cal. 2006).

 

If I fail the Means Test, can a judge allow me to file anyway?

If I fail the Means Test, can a judge allow me to file anyway?

Yes, a judge can allow you to file for Chapter 7 bankruptcy even if you fail the means test, but only you are able able to show "special circumstances."

Some examples of possible "special circumstances" are job loss or pay cut, a serious medical condition, or unusually high child care expenses.  You must be able to produce proof of your expenses and that your expenses are reasonable -- and that you have no reasonable alternative.

What are "priority claims"?

What are "priority claims"?

This is a technical term used in bankruptcy law, and refers to what debts must be paid before all other debts (after administrative expenses).

A list of the most common priority claims can be found on Form 10 (Proof of Claim). These include

  • past due debts for child and spousal support,
  • most unpaid taxes, and wages,
  • salaries or commissions you owe to employees and
  • contributions you owe to an employee benefit fund.

The full definition of the nine types of priority debt is found in section 507(a) of the bankruptcy code.

(a)The following expenses and claims have priority in the following order:
(1)First:
(A)
Allowed unsecured claims for domestic support obligations that, as of the date of the filing of the petition in a case under this title, are owed to or recoverable by a spouse, former spouse, or child of the debtor, or such child’s parent, legal guardian, or responsible relative, without regard to whether the claim is filed by such person or is filed by a governmental unit on behalf of such person, on the condition that funds received under this paragraph by a governmental unit under this title after the date of the filing of the petition shall be applied and distributed in accordance with applicable nonbankruptcy law.
(B)
Subject to claims under subparagraph (A), allowed unsecured claims for domestic support obligations that, as of the date of the filing of the petition, are assigned by a spouse, former spouse, child of the debtor, or such child’s parent, legal guardian, or responsible relative to a governmental unit (unless such obligation is assigned voluntarily by the spouse, former spouse, child, parent, legal guardian, or responsible relative of the child for the purpose of collecting the debt) or are owed directly to or recoverable by a governmental unit under applicable nonbankruptcy law, on the condition that funds received under this paragraph by a governmental unit under this title after the date of the filing of the petition be applied and distributed in accordance with applicable nonbankruptcy law.
(C)
If a trustee is appointed or elected under section 701, 702, 703, 1104, 1202, or 1302, the administrative expenses of the trustee allowed under paragraphs (1)(A), (2), and (6) of section 503(b) shall be paid before payment of claims under subparagraphs (A) and (B), to the extent that the trustee administers assets that are otherwise available for the payment of such claims.
(2)
Second, administrative expenses allowed under section 503(b) of this title, unsecured claims of any Federal reserve bank related to loans made through programs or facilities authorized under section 13(3) of the Federal Reserve Act (12 U.S.C. 343),[1] and any fees and charges assessed against the estate under chapter 123 of title 28.
(3)
Third, unsecured claims allowed under section 502(f) of this title.
(4)Fourth, allowed unsecured claims, but only to the extent of $10,000 [2] for each individual or corporation, as the case may be, earned within 180 days before the date of the filing of the petition or the date of the cessation of the debtor’s business, whichever occurs first, for—
(A)
wages, salaries, or commissions, including vacation, severance, and sick leave pay earned by an individual; or
(B)
sales commissions earned by an individual or by a corporation with only 1 employee, acting as an independent contractor in the sale of goods or services for the debtor in the ordinary course of the debtor’s business if, and only if, during the 12 months preceding that date, at least 75 percent of the amount that the individual or corporation earned by acting as an independent contractor in the sale of goods or services was earned from the debtor.
(5)Fifth, allowed unsecured claims for contributions to an employee benefit plan—
(A)
arising from services rendered within 180 days before the date of the filing of the petition or the date of the cessation of the debtor’s business, whichever occurs first; but only
(B)for each such plan, to the extent of—
(i)
the number of employees covered by each such plan multiplied by $10,000; 2 less
(ii)
the aggregate amount paid to such employees under paragraph (4) of this subsection, plus the aggregate amount paid by the estate on behalf of such employees to any other employee benefit plan.
(6)Sixth, allowed unsecured claims of persons—
(A)
engaged in the production or raising of grain, as defined in section 557(b) of this title, against a debtor who owns or operates a grain storage facility, as defined in section 557(b) of this title, for grain or the proceeds of grain, or
(B)
engaged as a United States fisherman against a debtor who has acquired fish or fish produce from a fisherman through a sale or conversion, and who is engaged in operating a fish produce storage or processing facility—
but only to the extent of $4,000 2 for each such individual.
(7)
Seventh, allowed unsecured claims of individuals, to the extent of $1,800 2 for each such individual, arising from the deposit, before the commencement of the case, of money in connection with the purchase, lease, or rental of property, or the purchase of services, for the personal, family, or household use of such individuals, that were not delivered or provided.
(8)Eighth, allowed unsecured claims of governmental units, only to the extent that such claims are for—
(A)a tax on or measured by income or gross receipts for a taxable year ending on or before the date of the filing of the petition—
(i)
for which a return, if required, is last due, including extensions, after three years before the date of the filing of the petition;
(ii)assessed within 240 days before the date of the filing of the petition, exclusive of—
(I)
any time during which an offer in compromise with respect to that tax was pending or in effect during that 240-day period, plus 30 days; and
(II)
any time during which a stay of proceedings against collections was in effect in a prior case under this title during that 240-day period, plus 90 days; or
(iii)
other than a tax of a kind specified in section 523(a)(1)(B) or 523(a)(1)(C) of this title, not assessed before, but assessable, under applicable law or by agreement, after, the commencement of the case;
(B)
a property tax incurred before the commencement of the case and last payable without penalty after one year before the date of the filing of the petition;
(C)
a tax required to be collected or withheld and for which the debtor is liable in whatever capacity;
(D)
an employment tax on a wage, salary, or commission of a kind specified in paragraph (4) of this subsection earned from the debtor before the date of the filing of the petition, whether or not actually paid before such date, for which a return is last due, under applicable law or under any extension, after three years before the date of the filing of the petition;
(E)an excise tax on—
(i)
a transaction occurring before the date of the filing of the petition for which a return, if required, is last due, under applicable law or under any extension, after three years before the date of the filing of the petition; or
(ii)
if a return is not required, a transaction occurring during the three years immediately preceding the date of the filing of the petition;
(F)a customs duty arising out of the importation of merchandise—
(i)
entered for consumption within one year before the date of the filing of the petition;
(ii)
covered by an entry liquidated or reliquidated within one year before the date of the filing of the petition; or
(iii)
entered for consumption within four years before the date of the filing of the petition but unliquidated on such date, if the Secretary of the Treasury certifies that failure to liquidate such entry was due to an investigation pending on such date into assessment of antidumping or countervailing duties or fraud, or if information needed for the proper appraisement or classification of such merchandise was not available to the appropriate customs officer before such date; or
(G)
a penalty related to a claim of a kind specified in this paragraph and in compensation for actual pecuniary loss.
An otherwise applicable time period specified in this paragraph shall be suspended for any period during which a governmental unit is prohibited under applicable nonbankruptcy law from collecting a tax as a result of a request by the debtor for a hearing and an appeal of any collection action taken or proposed against the debtor, plus 90 days; plus any time during which the stay of proceedings was in effect in a prior case under this title or during which collection was precluded by the existence of 1 or more confirmed plans under this title, plus 90 days.
(9)
Ninth, allowed unsecured claims based upon any commitment by the debtor to a Federal depository institutions regulatory agency (or predecessor to such agency) to maintain the capital of an insured depository institution.
(10)
Tenth, allowed claims for death or personal injury resulting from the operation of a motor vehicle or vessel if such operation was unlawful because the debtor was intoxicated from using alcohol, a drug, or another substance.
(b)
If the trustee, under section 362, 363, or 364 of this title, provides adequate protection of the interest of a holder of a claim secured by a lien on property of the debtor and if, notwithstanding such protection, such creditor has a claim allowable under subsection (a)(2) of this section arising from the stay of action against such property under section 362 of this title, from the use, sale, or lease of such property under section 363 of this title, or from the granting of a lien under section 364(d) of this title, then such creditor’s claim under such subsection shall have priority over every other claim allowable under such subsection.
(c)
For the purpose of subsection (a) of this section, a claim of a governmental unit arising from an erroneous refund or credit of a tax has the same priority as a claim for the tax to which such refund or credit relates.
(d)
An entity that is subrogated to the rights of a holder of a claim of a kind specified in subsection (a)(1), (a)(4), (a)(5), (a)(6), (a)(7), (a)(8), or (a)(9) of this section is not subrogated to the right of the holder of such claim to priority under such subsection.
(Pub. L. 95–598, Nov. 6, 1978, 92 Stat. 2583; Pub. L. 98–353, title III, §§ 350, 449, July 10, 1984, 98 Stat. 358, 374; Pub. L. 101–647, title XXV, § 2522(d), Nov. 29, 1990, 104 Stat. 4867; Pub. L. 103–394, title I, § 108(c), title II, § 207, title III, § 304(c), title V, § 501(b)(3), (d)(11), Oct. 22, 1994, 108 Stat. 4112, 4123, 4132, 4142, 4145; Pub. L. 109–8, title II, §§ 212, 223, title VII, §§ 705, 706, title XIV, § 1401, title XV, § 1502(a)(1), Apr. 20, 2005, 119 Stat. 51, 62, 126, 214, 216; Pub. L. 111–203, title XI, § 1101(b), July 21, 2010, 124 Stat. 2115; Pub. L. 111–327, § 2(a)(15), Dec. 22, 2010, 124 Stat. 3559.)

Line by Line Means Test Positions of the U.S. Trustee 4/23/2010

STATEMENT OF THE U.S. TRUSTEE PROGRAM'S POSITION ON LEGAL ISSUES ARISING UNDER THE CHAPTER 7 MEANS TEST

April 23, 2010 (original source: http://www.justice.gov/ust/eo/bapcpa/docs/ch7_line_by_line.pdf)

Following is a line-by-line summary of Form B 122A and various recurring disposable income issues likely to arise in chapter 7 under the BAPCPA provisions of 11 U.S.C. § 707(b). The summary gives the position of the United States Trustee Program (USTP) on these issues. For ease of reference, the USTP positions are listed in summary fashion without citation to legal authority. The referenced lines are those on the Form B 122A. Unless a circuit court has decided an issue to the contrary, United States Trustees should, absent unusual circumstances, maintain these positions when interpreting section 707(b).

Line 1A, Declaration of Disabled Veterans

New Form B 122A-1Supp, Line 2

  • Must have at least 30% disability from service or released/discharged due to disability.
  • Debt primarily incurred during period of active duty/homeland defense activity.
  • Only if BOTH conditions apply is debtor exempt from further completing Form B 122A.

Line 1B, Declaration of Non-Consumer Debts

New Form B 122A-1Supp, Line 1

  • Less than 50% of total scheduled debt was incurred for personal, household or family purposes.
  • Purpose of debt is judged at the time the debt was incurred.
  • Home mortgages are typically consumer debt.
  • Most tax debts are not typically consumer debt.

Line 1C, Declaration of Reservists and National Guard Exclusion

New Form B 122A-1Supp, Line 3

  • Must be either a member of a reserve component or National Guard; AND
  • Must have been on active duty or performing a homeland defense activity for at least 90 days.
  • Exclusion applies after the minimum 90 day period of service, and for 540 days after the service ends.
  • Exclusion applies only to cases filed between December 19, 2008 and December 18, 2011, unless extended by Congress.

Line 2, Filing Status.

New Form B 122A-1, Line 1

  • The only four options permitted are those listed on the Form B 122A.
  • No option for legally separated but filing joint case; joint cases generally should be treated as a single household for means test purposes.
  • May be asserted as special circumstances to rebut the presumption of abuse under section 707(b)(2)(B).
  • May be considered by the UST when stating the reasons under section 704(b)(2) that a motion to dismiss is not appropriate. .
  • Information should be consistent with household size on Schedule I.

Line 3, Gross wages, salary, tips, bonuses, overtime, commissions.

New Form B 122A-1, Line 2

  • Includes pay/shift differentials.
  • Includes income, whether or not taxable.
  • Figures are gross amounts, before any deductions.

Lines 4 & 5, Business and real property income and expenses.

New Form B 122A-1, Lines 5 & 6

  • Must be "ordinary and necessary," i.e., a reasonable operating expense.
  • Depreciation is not included.
  • Line "c" cannot be a negative number. 

Line 6, Interest, dividends, and royalties.

New Form B 122A-1, Line 7

  • Includes automatic dividend reinvestment program.

Line 7, Pension and retirement income.

New Form B 122A-1, Line 9

  • Does not include Social Security payments
  • Includes all other retirement, including government, 401(k), and IRA.

Line 8, Any amounts paid by another person or entity, on a regular basis, for the household expenses of the debtor or the debtor's dependents, including child or spousal support.

New Form B 122A-1, Line 4

  • Includes payments made monthly, quarterly, or annually.
  • Includes payments regardless of written agreement with contributor.
  • Includes payments from roommate, partner, parent, or relative, regardless of whether living with debtor.
  • Includes payments made directly to creditors on behalf of debtor, e.g., rent, car, or insurance.
  • Does not include payments from non-filing spouse (which are already included as income in Column B).

Line 9, Unemployment compensation.

New Form B 122A-1, Line 8

  • Unemployment compensation is not a "benefit under SSA" and should be included; USTP opposes any entry in the boxes to the left of Columns A and B.

Line 10, Income from all other sources.

New Form B 122A-1, Line 10

  • Includes net gambling, cash gifts, litigation proceeds, and trust income.
  • Includes private disability income.
  • Does not include SSA benefits.
  • Does not include tax refunds.
  • Does not include loan proceeds.
  • Whether it meets IRS test for income could be relevant, but whether it is taxable income or non-taxable income is not a factor.

Line 14, Applicable median family income.

New Form B 122A-1, Line 13

  • "Applicable state" is state of residence at filing.
  • If married and two different households, residence is where most family members reside.
  • If no plurality of family members are in any one state, use state of spouse with highest income.
  • "Household size" is the debtor, debtor's spouse, and any dependents that the debtor could claim under IRS dependency tests. The USTP uses the same IRS test for the definition of both "household" and "family." IRS Publication 501 explains the IRS tests for "dependent."
  • The USTP departs from the IRS dependent test (as does the IRS when it determines family size for collection purposes) in cases justifying "reasonable exceptions" (e.g. a long standing economic unit of unmarried individuals and their children). However, if an individual is counted as a family member for median income purposes, that individual's income should be included as income on Part II of Form B 122A .

Line 17, Marital adjustment.

New Form B 122A-2, Line 3

  • All income of the non-debtor spouse should be included, except the following expenses of the non-debtor spouse may be excluded:
  • withholding taxes;
  • student loan payments;
  • prior support obligations;
  • debt payments on which only the non-filing spouse is legally liable and where the consideration for the loan exclusively benefits the non-filing spouse. (Credit cards used to pay for household expenses may not be deducted on Line 17).

Line 19A, National Standards: food, apparel and services, housekeeping supplies, personal care, and miscellaneous.

New Form B 122A-2, Line 6

  • The following expenses are covered by the National Standards and may not be counted separately elsewhere:
    • apparel and services (includes shoes and clothing, laundry and dry cleaning, and shoe repair);
    • meals at home or away (unless unreimbursed business expenses);
    • housekeeping supplies (includes laundry and cleaning supplies; other household products such as cleaning and toilet tissue, paper towels and napkins; lawn and garden supplies; postage and stationary; and other miscellaneous household supplies);
    • personal care products and services (includes hair care products, haircuts and beautician services, oral hygiene products and articles, shaving needs, cosmetics, perfume, bath preparations, deodorants, feminine hygiene products, electric personal care appliances, personal care services, and repair of personal care appliances)
    • miscellaneous personal expenses.
  • National Standard amount that may be claimed is based on the debtor, the debtor's dependents, and the debtor's spouse in a joint case if the spouse is not otherwise a dependent.

Line 19B, National Standards: health care.

New Form B 122A-2, Line 7

  • National Standard amounts may be claimed based on debtor, debtor's dependents, debtor's spouse, and the age of household members.
  • Actual mounts expended by the debtor exceeding the National Standards that are required for the health and welfare of the debtor, debtor's dependents, and debtor's spouse, which are not reimbursed by insurance or paid by a health savings account, may be claimed on line 31.

Line 20A, Local Standards: housing and utilities; non-mortgage expenses.

New Form B 122A-2, Line 8

  • Based on county of residence; see line 14 for resolving multiple residences.
  • The following expenses are covered by the Local Standards and may not be counted elsewhere:
  • maintenance and repair;
  • homeowner association dues;
  • condominium fees;
  • gas, electricity, water, heating oil, bottled gas, trash and garbage collection, wood and other fuels, septic cleaning;
  • basic telephone and cell phone service.

Line 20B, Local Standards: housing and utilities, mortgage/rent expense.

New Form B 122A-2, Line 9

  • Based on county of residence; see line 14 for resolving multiple residences.
  • The following are included in the Local Standard and may not be counted elsewhere, except as provided on lines 42 and 43:
    • principal and interest on mortgage loan;
    • rent;
    • homeowners/renters insurance;
    • local property taxes.
  • Line 20B(b) is the same figure as line 42 for house payments.
  • Debtor may not "double dip," that is take the full amount of the Local Standard for mortgage/rent on line 20B(a) and then fail to deduct the monthly mortgage payment on line 20B(b). The overall effect of disallowing double-dipping is to allow the debtor to take only the higher of the actual mortgage payment or the Local Standard.
  • If the home is being surrendered, the debtor may not include the mortgage payment on lines 42 and 43, and may not deduct the mortgage payment on line 20B(b). The debtor may, however, claim the full amount of the Local Standard for housing on line 20A.
  • Debtors and joint debtors are entitled to only one Local Standard mortgage/rent payment, even if maintaining two separate households.
  • Vacation homes do not entitle a debtor to the Local Standard on line 20B.
  • Debtor may not claim a Local Standard on line 20B when the debtor:
    • is and has been living with a friend or relative for an extended period of time at no cost;
    • is and has been living in military or other employer-paid housing.

Line 21, Local Standards: housing and utilities; adjustment.

New Form B 122A-2, Line 10

  • This line is often used improperly by debtors to claim housing expenses in excess of the IRS standards; USTP policy is to object to that use of line 21.
  • This line is occasionally used by debtors who claim that Form B 122A incorrectly captures the separation of the IRS housing Local Standard into two components, a mortgage component and a non-mortgage component; the USTP will object to that use of line 21.

Line 22A, Local Standards: transportation, vehicle operation/public transportation expense.

New Form B 122A-2, Lines 11, 12, 13, 14, 15

  • Based on metro area or region.
  • See line 14 to resolve multiple residences.
  • The Local Standard for vehicle operation may be taken when the debtor owns, leases, or pays the operating expenses on a vehicle.
  • The Local Standard for vehicle operation for zero vehicles may be taken if the debtor does not own, operate, or pay operating expenses on any vehicle.
  • A vehicle must be "street ready" and licensable.
  • A vehicle designed without an engine does not qualify, e.g., camper or trailer.
  • Debtors located outside of the Fifth, Seventh, and Eighth Circuits who operate vehicles not subject to a loan or lease may deduct an additional $200 if the vehicle is owned by the debtor, and is older than six (6) model years or has more than 75,000 miles.

Line 22B, Local Standards: transportation, additional public transportation expense.

New Form B 122A-2, Line 15

  • If debtor claims vehicle operating expense for one or more vehicles on Line 22A, debtor may only claim additional public transportation expense if reasonable and necessary for the health and welfare of the debtor, debtor's dependents, and debtor's spouse, or for the production of income.
  • If additional public transportation expense is applicable, it is capped by Local Standard amount for public transportation.

Lines 23 & 24, Local Standards: transportation ownership/lease expenses.

New Form B 122A-2, Line 13

  • Outside the Fifth, Seventh, and Eighth circuits, debtor cannot claim the vehicle ownership expense if the debtor does not have a secured loan or a lease on the vehicle.
  • In the Fifth, Seventh, and Eighth circuits debtor may claim this expense if the debtor owns a vehicle regardless of whether the debtor has a loan or lease payment. However, if the debtor owns a vehicle free and clear the USTP position is that the lack of any actual ownership expense may be considered in determining whether the case constitutes an abuse under the totality of the debtor's financial circumstances pursuant to section 707(b)(3)(B).
  • If the vehicle is being surrendered without replacement, the debtor may not claim the expense. But see discussion regarding line 42.
  • If the vehicle is borrowed, the debtor may not claim the expense.
  • Debtor may not "double dip," that is take the full amount of the vehicle ownership expense on line 23(a) and then fail to deduct the monthly lien payment on line 23(b). The overall effect is to allow the debtor to take the higher of the actual loan or lease payment and vehicle ownership expense.
  • A debtor whose household contains a single driver is generally entitled to an ownership expense for only one vehicle.

Line 25, Other Necessary Expenses: taxes.

New Form B 122A-2, Line 16

  • Based on monthly amount of actual taxes owed, not taxes withheld.
  • Includes FICA, Social Security, Medicare, state and local taxes.
  • Non-debtor spouse's taxes is not included if "backed out" on line 17.

Line 26, Other Necessary Expenses: involuntary deductions for employment.

New Form B 122A-2, Line 17

  • Includes retirement, union dues, uniform costs, work shoes.
  • Does not include voluntary 401(k) contributions, voluntary 401(k) loan repayments,
  • Does not include United Way or charitable contributions.
  • Does not include elective insurance.

Line 27, Other Necessary Expenses: life insurance.

New Form B 122A-2, Line 18

  • Includes only amounts for term insurance on the debtor's life.
  • If the policy is whole life, debtor must determine what portion of the premium is attributable to term coverage.
  • Does not include premiums on policies for non-debtor spouse or children.

Line 28, Other Necessary Expenses: court-ordered payments.

New Form B 122A-2, Line 19

  • Includes the current monthly amount of support and alimony, not any past due amounts, which are entered on line 44.
  • Does not include purely voluntary amounts for which there is no legal obligation.

Line 29, Other Necessary Expenses: education for employment or for a physically or mentally challenged child.

New Form B 122A-2, Line 20

  • Employment education must be as a condition of employment.
  • Expenses for challenged children must be for "health or welfare."
  • Expenses for challenged children cannot be otherwise provided by public school system.
  • Expenses for challenged children cannot be already included on line 30 or 38.

Line 30, Other Necessary Expenses: childcare.

New Form B 122A-2, Line 21

  • These are actual expenses only.
  • Includes babysitting, nursery school, daycare, preschool.
  • Premium daycare may be permitted, depending on the justification.
  • May not be permitted if one parent is "stay at home;" depends on the circumstances.

Line 31, Other Necessary Expenses: health care.

New Form B 122A-2, Line 22

  • Includes only unreimbursed, out-of-pocket expenses, exceeding the National Standard amounts provided for at line 19B, including items traditionally reimbursable through a flexible spending or "cafeteria" medical saving plan. For example:
    • deductibles
    • medications
    • therapy
    • co-pays
  • Does not include payments for health insurance or health savings account; those are covered by line 34.
  • Does not include elective or cosmetic surgery.
  • May not duplicate items on line 34.

Line 32, Other Necessary Expenses: telecommunication services.

New Form B 122A-2, Line 23

  • Does not include basic phone or cell service, which is included in the Local Standards on line 20A.
  • Pagers, call waiting, long distance, caller ID, and internet may be included, depending on amount and circumstance; test is whether "necessary for health and welfare or production of income."
  • Does not include business expenses already deducted on line 4b or 5b.

Line 34, Health Insurance, Disability Insurance, and Health Savings Account Expenses.

New Form B 122A-2, Line 25

  • Includes actual expense for debtor, spouse, and dependents.
  • Does not include flexible spending account or "cafeteria" medical saving plan contributions, which should be deducted as excess costs on line 31 to the extend they exceed to line 19B IRS standard amounts.

Line 35, Continued contributions to the care of household or family members.

New Form B 122A-2, Line 26

  • Includes only actual, not anticipated expenses.
  • Family member must live with the debtor or be a member of the debtor's immediate family, i.e., parent, grandparent, sibling, child, grandchild.
  • Elderly, chronically ill, or disabled person must be unable to pay the expense.

Line 36, Protection against family violence.

New Form B 122A-2, Line 27

  • Include only ongoing expenses related to a real threat.
  • Legal costs related to a restraining order may qualify.
  • Home security system costs will not qualify in all cases.
  • Nature of expense, but not the amount, must be kept confidential by the court.

Line 37, Home energy costs.

New Form B 122A-2, Line 28

  • Insert the amount by which the twelve-month average home energy costs exceed line 20A.
  • Amount claimed is unlimited, but must be documented.

Line 38, Education expenses for dependent children under 18.

New Form B 122A-2, Line 29

  • Includes public or private elementary or secondary education.
  • Does not include college or preschool education.
  • Child must be under 18 at filing.
  • Amount may not exceed $147.92 per child.
  • Expenses must be documented.
  • Cannot duplicate expenses claimed on line 30.
  • Does not include school lunches, which are included in National Standards on line 19A.
  • Can include home schooling expenses.

Line 39, Additional food and clothing expense.

New Form B 122A-2, Line 30

  • The USTP Web site breaks out the food/clothing standard for application of the 5 percent limit.
  • Expenses must be actual, not merely anticipated.
  • Special dietary and allergy restrictions can be covered.
  • Documentation is required.

Line 40, Continued charitable contributions.

New Form B 122A-2, Line 31

  • Contribution is limited to 15 percent of gross income.
  • The USTP position is that charitable contributions under section 707(b) are available to both below median and above median debtors. The Religious Liberty and Charitable Donation Clarification Act of 2006, Pub. L. 109-439 clarifies the Bankruptcy Code to ensure that above-median debtors may make continued charitable contributions.

Line 42, Future payments on secured claims.

New Form B 122A-2, Line 33

  • Total all payments coming due in the 60 months following filing and divide by 60.
  • In the case of a variable rate loan, use the loan rate in effect on the petition date tocalculate the payments.
  • In the case of a "balloon" payment within 60 months, use the full amount of theballoon to calculate the average payment.
  • Does not include property subject to a lease rather than a loan.
  • Includes all secured debt, even "toys" and luxury items. Although the USTP positionis to allow secured payments for luxury items on this line, the Program believes that luxury expenses may demonstrate that a petition was filed in bad faith warranting dismissal of the case under section 707(b)(3)(A), and may be considered in determining the totality of the debtors financial circumstances under section 707(b)(3)(B).
  • Includes a secured loan payment, even when the value of the collateral is less than the amount of the loan.
  • Outside the First Circuit, does not include payments when the debtor intends to surrender the collateral securing the loan.
  • In the First Circuit, debtor may include payments on line 42 when the debtor intends to surrenderthecollateralsecuringtheloan. However,theUSTPpositionisthatthe failure of the debtor to continue to make the payments post-petition in surrendering the property may be considered in determining the totality of the debtor's financial circumstances under section 707(b)(3)(B).

Line 43, Other payments on secured claims.

New Form B 122A-2, Line 34

  • Does not include arrearage on luxury items; the item must be "necessary for the support of the debtor or dependents."
  • See line 42 for a discussion of when the collateral is surrendered.

Line 44, Payments on prepetition priority claims.

New Form B 122A-2, Line 35

  • The total of priority debt includes only amounts due as of filing.
  • Does not include figures already listed on line 28.

Line 45, Chapter 13 administrative expenses.

New Form B 122A-2, Line 36

  • Debtor must project a hypothetical chapter 13 plan payment to calculate the figure on line 45a. The USTP does not insist on mathematical exactitude and allows a reasonable estimation of the hypothetical chapter 13 plan payment.
  • Generally the plan payment should be calculated based on the amount of monthly disposable income suggested by the completion of the means test, or shown on Schedules I and J.
  • The multiplier for line 45b is found on the USTP Web site by state.

Line 56, Other Expenses.

New Form B 122A-2, Line 43

  • Generally this line should be used to assert special circumstances to rebut the presumption of abuse under section 707(b)(2)(B).
  • Also may provide information for the UST to consider under section 704(b)(2) when determining whether a motion to dismiss is appropriate.
  • Should not be included by debtor in calculating disposable income on line 51, or in determining whether the presumption of abuse arises on lines 52-55.
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  31. Cameron County - 406,220 (Brownsville)
  32. Camp County - 12,401 (Pittsburg)
  33. Carson County - 6,182 (Panhandle)
  34. Cass County - 30,464 (Linden)
  35. Castro County - 8,062 (Dimmitt)
  36. Chambers County - 35,096 (Anahuac)
  37. Cherokee County - 50,845 (Rusk)
  38. Childress County - 7,041 (Childress)
  39. Clay County - 10,752 (Henrietta)
  40. Cochran County - 3,127 (Morton)
  41. Coke County - 3,320 (Robert Lee)
  42. Coleman County - 8,895 (Coleman)
  43. Collin County - 782,341 (McKinney)
  44. Collingsworth County - 3,057 (Wellington)
  45. Colorado County - 20,874 (Columbus)
  46. Comal County - 108,472 (New Braunfels)
  47. Comanche County - 13,974 (Comanche)
  48. Concho County - 4,087 (Paint Rock)
  49. Cooke County - 38,437 (Gainesville)
  50. Coryell County - 75,388 (Gatesville)
  51. Cottle County - 1,505 (Paducah)
  52. Crane County - 4,375 (Crane)
  53. Crockett County - 3,719 (Ozona)
  54. Crosby County - 6,059 (Crosbyton)
  55. Culberson County - 2,398 (Van Horn)
  56. Dallam County - 6,703 (Dalhart)
  57. Dallas County - 2,368,139 (Dallas)
  58. Dawson County - 13,833 (Lamesa)
  59. Deaf Smith County - 19,372 (Hereford)
  60. Delta County - 5,231 (Cooper)
  61. Denton County - 662,614 (Denton)
  62. De Witt County - 20,097 (Cuero)
  63. Dickens County - 2,444 (Dickens)
  64. Dimmit County - 9,996 (Carrizo Springs)
  65. Donley County - 3,677 (Clarendon)
  66. Duval County - 11,782 (San Diego)
  67. Eastland County - 18,583 (Eastland)
  68. Ector County - 137,130 (Odessa)
  69. Edwards County - 2,002 (Rocksprings)
  70. Ellis County - 149,610 (Waxahachie)
  71. El Paso County - 800,647 (El Paso)
  72. Erath County - 37,890 (Stephenville)
  73. Falls County - 17,866 (Marlin)
  74. Fannin County - 33,915 (Bonham)
  75. Fayette County - 24,554 (La Grange)
  76. Fisher County - 3,974 (Roby)
  77. Floyd County - 6,446 (Floydada)
  78. Foard County - 1,336 (Crowell)
  79. Fort Bend County - 585,375 (Richmond)
  80. Franklin County - 10,605 (Mount Vernon)
  81. Freestone County - 19,816 (Fairfield)
  82. Frio County - 17,217 (Pearsall)
  83. Gaines County - 17,526 (Seminole)
  84. Galveston County - 291,309 (Galveston)
  85. Garza County - 6,461 (Post)
  86. Gillespie County - 24,837 (Fredericksburg)
  87. Glasscock County - 1,226 (Garden City)
  88. Goliad County - 7,210 (Goliad)
  89. Gonzales County - 19,807 (Gonzales)
  90. Gray County - 22,535 (Pampa)
  91. Grayson County - 120,877 (Sherman)
  92. Gregg County - 121,730 (Longview)
  93. Grimes County - 26,604 (Anderson)
  94. Guadalupe County - 131,533 (Seguin)
  95. Hale County - 36,273 (Plainview)
  96. Hall County - 3,353 (Memphis)
  97. Hamilton County - 8,517 (Hamilton)
  98. Hansford County - 5,613 (Spearman)
  99. Hardeman County - 4,139 (Quanah)
  100. Hardin County - 54,635 (Kountze)
  101. Harris County - 4,092,459 (Houston)
  102. Harrison County - 65,631 (Marshall)
  103. Hartley County - 6,062 (Channing)
  104. Haskell County - 5,899 (Haskell)
  105. Hays County - 157,107 (San Marcos)
  106. Hemphill County - 3,807 (Canadian)
  107. Henderson County - 78,532 (Athens)
  108. Hidalgo County - 774,769 (Edinburg)
  109. Hill County - 35,089 (Hillsboro)
  110. Hockley County - 22,935 (Levelland)
  111. Hood County - 51,182 (Granbury)
  112. Hopkins County - 35,161 (Sulphur Springs)
  113. Houston County - 23,732 (Crockett)
  114. Howard County - 35,012 (Big Spring)
  115. Hudspeth County - 3,476 (Sierra Blanca)
  116. Hunt County - 86,129 (Greenville)
  117. Hutchinson County - 22,150 (Stinnett)
  118. Irion County - 1,599 (Mertzon)
  119. Jack County - 9,044 (Jacksboro)
  120. Jackson County - 14,075 (Edna)
  121. Jasper County - 35,710 (Jasper)
  122. Jeff Davis County - 2,342 (Fort Davis)
  123. Jefferson County - 252,273 (Beaumont)
  124. Jim Hogg County - 5,300 (Hebbronville)
  125. Jim Wells County - 40,838 (Alice)
  126. Johnson County - 150,934 (Cleburne)
  127. Jones County - 20,202 (Anson)
  1. Karnes County - 14,824 (Karnes City)
  2. Kaufman County - 103,350 (Kaufman)
  3. Kendall County - 33,410 (Boerne)
  4. Kenedy County - 416 (Sarita)
  5. Kent County - 808 (Jayton)
  6. Kerr County - 49,625 (Kerrville)
  7. Kimble County - 4,607 (Junction)
  8. King County - 286 (Guthrie)
  9. Kinney County - 3,598 (Brackettville)
  10. Kleberg County - 32,061 (Kingsville)
  11. Knox County - 3,719 (Benjamin)
  12. Lamar County - 49,793 (Paris)
  13. Lamb County - 13,977 (Littlefield)
  14. Lampasas County - 19,677 (Lampasas)
  15. La Salle County - 6,886 (Cotulla)
  16. Lavaca County - 19,263 (Hallettsville)
  17. Lee County - 16,612 (Giddings)
  18. Leon County - 16,801 (Centerville)
  19. Liberty County - 75,643 (Liberty)
  20. Limestone County - 23,384 (Groesbeck)
  21. Lipscomb County - 3,302 (Lipscomb)
  22. Live Oak County - 11,531 (George West)
  23. Llano County - 19,301 (Llano)
  24. Loving County - 82 (Mentone)
  25. Lubbock County - 278,831 (Lubbock)
  26. Lynn County - 5,915 (Tahoka)
  27. McCulloch County - 8,283 (Brady)
  28. McLennan County - 234,906 (Waco)
  29. McMullen County - 707 (Tilden)
  30. Madison County - 13,664 (Madisonville)
  31. Marion County - 10,546 (Jefferson)
  32. Martin County - 4,799 (Stanton)
  33. Mason County - 4,012 (Mason)
  34. Matagorda County - 36,702 (Bay City)
  35. Maverick County - 54,258 (Eagle Pass)
  36. Medina County - 46,006 (Hondo)
  37. Menard County - 2,242 (Menard)
  38. Midland County - 136,872 (Midland)
  39. Milam County - 24,757 (Cameron)
  40. Mills County - 4,936 (Goldthwaite)
  41. Mitchell County - 9,403 (Colorado City)
  42. Montague County - 19,719 (Montague)
  43. Montgomery County - 455,746 (Conroe)
  44. Moore County - 21,904 (Dumas)
  45. Morris County - 12,934 (Daingerfield)
  46. Motley County - 1,210 (Matador)
  47. Nacogdoches County - 64,524 (Nacogdoches)
  48. Navarro County - 47,735 (Corsicana)
  49. Newton County - 14,445 (Newton)
  50. Nolan County - 15,216 (Sweetwater)
  51. Nueces County - 340,223 (Corpus Christi)
  52. Ochiltree County - 10,223 (Perryton)
  53. Oldham County - 2,052 (Vega)
  54. Orange County - 81,837 (Orange)
  55. Palo Pinto County - 28,111 (Palo Pinto)
  56. Panola County - 23,796 (Carthage)
  57. Parker County - 116,927 (Weatherford)
  58. Parmer County - 10,269 (Farwell)
  59. Pecos County - 15,507 (Fort Stockton)
  60. Polk County - 45,413 (Livingston)
  61. Potter County - 121,073 (Amarillo)
  62. Presidio County - 7,818 (Marfa)
  63. Rains County - 10,914 (Emory)
  64. Randall County - 120,725 (Canyon)
  65. Reagan County - 3,367 (Big Lake)
  66. Real County - 3,309 (Leakey)
  67. Red River County - 12,860 (Clarksville)
  68. Reeves County - 13,783 (Pecos)
  69. Refugio County - 7,383 (Refugio)
  70. Roberts County - 929 (Miami)
  71. Robertson County - 16,622 (Franklin)
  72. Rockwall County - 78,337 (Rockwall)
  73. Runnels County - 10,501 (Ballinger)
  74. Rusk County - 53,330 (Henderson)
  75. Sabine County - 10,834 (Hemphill)
  76. San Augustine County - 8,865 (San Augustine)
  77. San Jacinto County - 26,384 (Coldspring)
  78. San Patricio County - 64,804 (Sinton)
  79. San Saba County - 6,131 (San Saba)
  80. Schleicher County - 3,461 (Eldorado)
  81. Scurry County - 16,921 (Snyder)
  82. Shackelford County - 3,378 (Albany)
  83. Shelby County - 25,448 (Center)
  84. Sherman County - 3,034 (Stratford)
  85. Smith County - 209,714 (Tyler)
  86. Somervell County - 8,490 (Glen Rose)
  87. Starr County - 60,968 (Rio Grande City)
  88. Stephens County - 9,630 (Breckenridge)
  89. Sterling County - 1,143 (Sterling City)
  90. Stonewall County - 1,490 (Aspermont)
  91. Sutton County - 4,128 (Sonora)
  92. Swisher County - 7,854 (Tulia)
  93. Tarrant County - 1,809,034 (Fort Worth)
  94. Taylor County - 131,506 (Abilene)
  95. Terrell County - 984 (Sanderson)
  96. Terry County - 12,651 (Brownfield)
  97. Throckmorton County - 1,641 (Throckmorton)
  98. Titus County - 32,334 (Mount Pleasant)
  99. Tom Green County - 110,224 (San Angelo)
  100. Travis County - 1,024,266 (Austin)
  101. Trinity County - 14,585 (Groveton)
  102. Tyler County - 21,766 (Woodville)
  103. Upshur County - 39,309 (Gilmer)
  104. Upton County - 3,355 (Rankin)
  105. Uvalde County - 26,405 (Uvalde)
  106. Val Verde County - 48,879 (Del Rio)
  107. Van Zandt County - 52,579 (Canton)
  108. Victoria County - 86,793 (Victoria)
  109. Walker County - 67,861 (Huntsville)
  110. Waller County - 43,205 (Hempstead)
  111. Ward County - 10,658 (Monahans)
  112. Washington County - 33,718 (Brenham)
  113. Webb County - 250,304 (Laredo)
  114. Wharton County - 41,280 (Wharton)
  115. Wheeler County - 5,410 (Wheeler)
  116. Wichita County - 131,500 (Wichita Falls)
  117. Wilbarger County - 13,535 (Vernon)
  118. Willacy County - 22,134 (Raymondville)
  119. Williamson County - 422,679 (Georgetown)
  120. Wilson County - 42,918 (Floresville)
  121. Winkler County - 7,110 (Kermit)
  122. Wise County - 59,127 (Decatur)
  123. Wood County - 41,964 (Quitman)
  124. Yoakum County - 7,879 (Plains)
  125. Young County - 18,550 (Graham)
  126. Zapata County - 14,018 (Zapata)
  127. Zavala County - 11,677 (Crystal City)
Dallam County Sherman County Hansford County Ochiltree County Lipscomb County Hartley County Moore County Hutchinson County Roberts County Hemphill County Oldham County Potter County Carson County Gray County Wheeler County Deaf Smith County Randall County Armstrong County Donley County Collingsworth County Parmer County Castro County Swisher County Briscoe County Hall County Childress County Hardeman County Wilbarger County Bailey County Lamb County Hale County Floyd County Motley County Cottle County Foard County Wichita County Clay County Red River County Montague County Lamar County Grayson County Cooke County Fannin County Cochran County Hockley County Archer County Lubbock County Baylor County Crosby County Dickens County King County Knox County Bowie County Delta County Titus County Jack County Franklin County Hunt County Morris County Hopkins County Wise County Denton County Collin County Cass County Yoakum County Terry County Young County Lynn County Garza County Throckmorton County Kent County Haskell County Stonewall County Camp County Wood County Rains County Rockwall County Dallas County Tarrant County Parker County Marion County Palo Pinto County Upshur County Gaines County Dawson County Scurry County Borden County Fisher County Stephens County Shackelford County Jones County Harrison County Van Zandt County Kaufman County Gregg County Smith County Ellis County Johnson County Hood County Andrews County Martin County Howard County Mitchell County Panola County Erath County Nolan County Rusk County Eastland County Taylor County Callahan County Henderson County Navarro County Somervell County Hill County Comanche County Cherokee County Bosque County Anderson County El Paso County Hudspeth County Winkler County Shelby County Ector County Midland County Glasscock County Sterling County Culberson County Coke County Brown County Coleman County Runnels County Freestone County Reeves County Loving County Hamilton County Nacogdoches County McLennan County Limestone County San Augustine County Sabine County Mills County Coryell County Leon County Tom Green County Ward County Houston County Crane County Upton County Reagan County Angelina County Concho County Falls County Irion County San Saba County McCulloch County Trinity County Lampasas County Robertson County Pecos County Newton County Bell County Jasper County Polk County Tyler County Jeff Davis County Madison County Milam County Walker County Crockett County Schleicher County Menard County Burnet County Brazos County San Jacinto County Mason County Grimes County Llano County Williamson County Burleson County Presidio County Kimble County Sutton County Brewster County Montgomery County Terrell County Hardin County Travis County Liberty County Lee County Blanco County Gillespie County Washington County Bastrop County Orange County Hays County Jefferson County Waller County Val Verde County Kerr County Edwards County Harris County Fayette County Austin County Kendall County Caldwell County Real County Comal County Chambers County Colorado County Bandera County Guadalupe County Fort Bend County Gonzales County Bexar County Galveston County Medina County Wharton County Brazoria County Lavaca County Galveston County Uvalde County Kinney County Wilson County DeWitt County Jackson County Matagorda County Atascosa County Karnes County Victoria County Frio County Zavala County Maverick County Goliad County Live Oak County Calhoun County Calhoun County Bee County McMullen County La Salle County Dimmit County Refugio County Calhoun County Calhoun County Aransas County Calhoun County Webb County San Patricio County Aransas County Jim Wells County Duval County Nueces County Nueces County Kleberg County Kleberg County Jim Hogg County Zapata County Kenedy County Kenedy County Brooks County Hidalgo County Starr County Willacy County Willacy County Cameron County Cameron County Cameron County

Largest Texas Cities >

Largest Texas Cities

  1. Houston - 3,075,388
  2. San Antonio - 1,327,407
  3. Dallas - 1,197,816
  4. Fort Worth - 791,745
  5. Austin - 790,390
  6. El Paso - 649,121
  7. Arlington - 491,713
  8. Corpus Christi - 305,215
  9. Plano - 259,841
  10. Lubbock - 258,538
  11. Sugar Land - 248,350
  12. Laredo - 236,091
  13. Garland - 226,876
  14. Irving - 216,290
  15. Brownsville - 206,752
  16. McKinney - 201,991
  17. Amarillo - 190,695
  18. Waco - 179,824
  19. Grand Prairie - 175,396
  20. Killeen - 164,254
  21. Mission - 158,485
  22. Edinburg - 153,171
  23. Pasadena - 149,043
  24. Mesquite - 139,824
  25. McAllen - 129,877
  26. Cypress - 122,803
  27. Midland - 119,500
  28. Carrollton - 119,097
  29. Abilene - 118,774
  30. Beaumont - 118,296
  31. Frisco - 116,989
  32. Denton - 113,383
  33. Odessa - 111,306
  34. Port Arthur - 110,068
  35. Wichita Falls - 108,679
  36. Round Rock - 99,887
  37. Richardson - 99,223
  38. Tyler - 97,605
  39. Lewisville - 95,290
  40. College Station - 93,857
  41. The Woodlands - 93,847
  42. San Angelo - 93,200
  43. Pearland - 91,252
  44. Allen - 84,246
  45. Longview - 83,993
  46. League City - 83,560
  47. Waxahachie - 77,362
  48. Bryan - 76,201
  49. Baytown - 72,734
  50. Klein - 70,544
  1. Victoria - 70,435
  2. Pharr - 70,400
  3. The Colony - 70,088
  4. Temple - 69,183
  5. Missouri City - 67,358
  6. Atascocita - 65,844
  7. Harlingen - 64,849
  8. Flower Mound - 64,669
  9. New Braunfels - 63,736
  10. North Richland Hills - 63,343
  11. Kingwood - 62,000
  12. Texarkana - 58,179
  13. Mansfield - 56,368
  14. Conroe - 56,207
  15. Rowlett - 56,199
  16. San Marcos - 55,314
  17. Spring - 54,298
  18. Taylor - 53,986
  19. Magnolia - 52,321
  20. Eagle Pass - 52,141
  21. Lufkin - 52,098
  22. Nacogdoches - 51,905
  23. Euless - 51,277
  24. Montgomery - 50,994
  25. DeSoto - 49,047
  26. Cedar Park - 48,937
  27. Galveston - 48,726
  28. Del Rio - 48,030
  29. Georgetown - 47,400
  30. Bedford - 46,979
  31. Pflugerville - 46,936
  32. Grapevine - 46,334
  33. Cleburne - 45,619
  34. Texas City - 45,099
  35. Cedar Hill - 45,028
  36. Canyon Lake - 44,736
  37. Huntsville - 44,631
  38. Angleton - 43,846
  39. Haltom City - 42,409
  40. Wylie - 41,427
  41. Seguin - 40,992
  42. Alvarado - 40,488
  43. Keller - 39,627
  44. Coppell - 38,659
  45. Duncanville - 38,524
  46. Sherman - 38,521
  47. Channelview - 38,289
  48. Weatherford - 37,677
  49. Rockwall - 37,490
  50. Hurst - 37,337

100 Largest US Cities >

100 Largest US Cities

  1. New York, NY - 8,175,133
  2. Los Angeles, CA - 3,792,621
  3. Houston, TX - 3,075,388
  4. Phoenix, AZ - 2,972,357
  5. Chicago, IL - 2,695,598
  6. Brooklyn, NY - 2,504,700
  7. San Diego, CA - 2,259,481
  8. San Jose, CA - 1,661,105
  9. Manhattan, NY - 1,585,873
  10. Philadelphia, PA - 1,526,006
  11. Bronx, NY - 1,385,108
  12. San Antonio, TX - 1,327,407
  13. Dallas, TX - 1,197,816
  14. Sacramento, CA - 1,072,790
  15. Seattle, WA - 965,769
  16. Salt Lake City, UT - 932,320
  17. Miami, FL - 908,839
  18. Jacksonville, FL - 821,784
  19. Indianapolis, IN - 820,445
  20. San Bernardino, CA - 807,147
  21. San Francisco, CA - 805,235
  22. Fort Worth, TX - 791,745
  23. Austin, TX - 790,390
  24. Columbus, OH - 787,033
  25. Hempstead, NY - 759,757
  26. Charlotte, NC - 731,424
  27. Detroit, MI - 713,777
  28. Fresno, CA - 664,000
  29. El Paso, TX - 649,121
  30. Memphis, TN - 646,889
  31. Albuquerque, NM - 633,223
  32. Tampa, FL - 625,570
  33. Egypt Lake-Leto, FL - 625,570
  34. Baltimore, MD - 620,961
  35. Boston, MA - 617,594
  36. Ontario, CA - 615,598
  37. Washington, DC - 601,723
  38. Nashville, TN - 601,222
  39. Denver, CO - 600,158
  40. Milwaukee, WI - 594,833
  41. Portland, OR - 583,776
  42. Las Vegas, NV - 583,756
  43. Oklahoma City, OK - 579,999
  44. Tulsa, OK - 569,469
  45. Nashville-Davidson, TN - 545,524
  46. Orlando, FL - 539,261
  47. Atlanta, GA - 531,648
  48. Tucson, AZ - 520,116
  49. Arlington, TX - 491,713
  50. Brookhaven, NY - 486,040
  1. Staten Island, NY - 468,730
  2. Long Beach, CA - 462,257
  3. Kansas City, MO - 459,787
  4. Riverside, CA - 456,130
  5. Birmingham, AL - 455,278
  6. Mesa, AZ - 439,041
  7. Virginia Beach, VA - 437,994
  8. Tacoma, WA - 427,051
  9. Colorado Springs, CO - 416,427
  10. Oakland, CA - 411,480
  11. Omaha, NE - 408,958
  12. Raleigh, NC - 403,892
  13. Cleveland, OH - 396,815
  14. Bakersfield, CA - 393,778
  15. Honolulu, HI - 390,738
  16. Chandler, AZ - 388,838
  17. Minneapolis, MN - 382,578
  18. Wichita, KS - 382,368
  19. Inglewood, CA - 369,694
  20. Hayward, CA - 366,577
  21. Spokane, WA - 353,581
  22. New Orleans, LA - 343,829
  23. Stockton, CA - 343,203
  24. Compton, CA - 342,576
  25. Hialeah, FL - 342,086
  26. Country Club, FL - 342,086
  27. Anaheim, CA - 336,265
  28. Fremont, CA - 325,166
  29. Aurora, CO - 325,078
  30. Santa Ana, CA - 324,528
  31. Clearwater, FL - 319,594
  32. Saint Louis, MO - 319,294
  33. Whittier, CA - 316,911
  34. Modesto, CA - 312,842
  35. Pittsburgh, PA - 305,704
  36. Corpus Christi, TX - 305,215
  37. Cincinnati, OH - 296,943
  38. Oyster Bay, NY - 293,214
  39. Anchorage, AK - 291,826
  40. Toledo, OH - 287,208
  41. Saint Paul, MN - 285,068
  42. Murrieta, CA - 282,939
  43. Fort Lauderdale, FL - 282,219
  44. Newark, NJ - 277,140
  45. Greensboro, NC - 269,666
  46. Pasadena, CA - 268,040
  47. Greenville, SC - 263,637
  48. Plantation, FL - 261,673
  49. Buffalo, NY - 261,310
  50. Lexington, KY - 260,512

50 States >

50 State Bankruptcy Info

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
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  • Oklahoma
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  • Rhode Island
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  • Wyoming

Galveston, TX: Law

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