SE Michigan Bankruptcy

Bankruptcy Law Firm

Bankruptcy Law Attorney
John Ceci PLLC

A little more in-depth (if you're interested).


Your total income for the means test and your current income are not always the same.

Here are a couple examples illustrating why the calculations may be different.


If you lost a job in the past six months the calculations will almost certainly be different. Income earned from that lost job in the past six months will be included in the means test.

But since you don't have that job any more, it will not (cannot) be included when calculating your current income. ​

For most people your current income is a very simple proposition.

You give me your pay stubs.

I enter them into the software.

The software does the math.


This part of the process is often that simple.

If you got a raise three months ago the means test calculation will probably be different from the current income calculation.


That's because your current income calculation will be based on your current pay, which includes the raise. But those first three months of pay (before the raise) will be part of the means test calculation, making it a little different.


What's most important is that you give me all your income information for the past six months.

The software will do the math!

Your Current Income

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