Line 1: Copy your total current monthly income.
Line 2: Did you fill out Column B in Part 1 of Form 122A–1?
Line 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.
Where to enter this in NextChapter: Means Test > Means Test Questions
Line 4: Adjust your current monthly income.
Line 5: The number of people used in determining your deductions from income.
Where to enter this in NextChapter: Means Test > Means Test Questions > Under 65 AND Over 65
Line 6: Food, clothing, and other items.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 6 - 7e
Line 7a: Out-of-pocket health care allowance per person.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 6 - 7e
Line 7b: Number of people who are under 65.
Where to enter this in NextChapter: Means Test > Means Test Questions > Under 65
Line 7c: Subtotal.
Line 7d: Out-of-pocket health care allowance per person.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 6 - 7e
Line 7e: Number of people who are 65 or older.
Where to enter this in NextChapter: Means Test > Means Test Questions > Over 65
Line 7f: Subtotal.
Line 7g: Total.
Line 8: Housing and utilities – Insurance and operating expenses.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 7e - 10
Line 9a: Using the number of people you entered in line 5, fill in the dollar amount listed for your county for mortgage or rent expenses.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 7e - 10
Line 9b: Total average monthly payment for all mortgages and other debts secured by your home.
Where to enter this in NextChapter: Means Test > Means Test Questions > Future payments on debts (due in 60 days) > Type: Home
Line 9c: Net mortgage or rent expense.
Line 10: If 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.
Where to enter this in NextChapter: Means Test > Means Test Questions > If you claim that the US Trustee Program's division of the IRS Local Standard for housing is incorrect and affects the calculation of your monthly expenses, fill in explanation and any additional amount you claim.
Line 11: Local transportation expenses.
Where to enter this in NextChapter: Means Test > Means Test Questions > Number of vehicles that ownership or operating expenses can be claimed.
Line 12: Vehicle operation expense.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 10 - 13c
Line 13a: Ownership or leasing costs using IRS Local Standard.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 10 - 13c
Line 13b: Average monthly payment for all debts secured by Vehicle 1.
Where to enter this in NextChapter: Means Test > Means Test Questions > Future payments on debts (due in 60 days) > Type: Vehicle
Line 13c: Net Vehicle 1 ownership or lease expense.
Line 13d: Ownership or leasing costs using IRS Local Standard.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 13c - 15
Line 13e: Average monthly payment for all debts secured by Vehicle 2.
Where to enter this in NextChapter: Means Test > Means Test Questions > Future payments on debts (due in 60 days) > Type: Vehicle
Line 13f: Net Vehicle 2 ownership or lease expense.
Line 14: Public transportation expense.
Where to view this in NextChapter: Means Test > Means Test Review > Form 122A-2 > 13c - 15
Line 15: Additional public transportation expense.
Where to enter this in NextChapter: Expenses > Vehicles > Other Transportation Expenses
Line 16: Taxes.
Where to enter this in NextChapter: Income > Employment Income > Edit or Add New Income > Pay Advice > Tax Deductions AND/OR Expenses > Taxes / Insurance > Tax Payments
Line 17: Involuntary deductions.
Where to enter this in NextChapter: Income > Employment Income > Edit or Add New Income > Pay Advice > Other Obligations > Mandatory AND/OR Union Dues
Line 18: Life insurance.
Where to enter this in NextChapter: Income > Employment Income > Edit or Add New Income > Pay Advice > Insurance Deductions > Life AND/OR Expenses > Taxes / Insurance > Life Insurance
Line 19: Court-ordered payments.
Where to enter this in NextChapter: Expenses > Family > Child Support/Alimony
Line 20: Education.
Where to enter this in NextChapter: Expenses > Family > Education expenses for physically or mentally challenged child AND/OR Education expenses for work
Line 21: Childcare.
Where to enter this in NextChapter: Expenses > Family > Daycare / Babysitter
Line 22: Additional health care expenses, excluding insurance costs.
Where to enter this in NextChapter: Means Test > Means Test Questions > Override additional health care expenses?
Line 23: Optional telephones and telephone services.
Where to enter this in NextChapter: Expenses > Utilities / Bills > Additional Phone Services
Line 24: Add all of the expenses allowed under the IRS expense allowances.
Line 25: Health insurance, disability insurance, and health savings account expenses.
Where to enter this in NextChapter: Means Test > Means Test Questions > Health savings account expenses / Health insurance / Disability insurance
Line 26: Continued contributions to the care of household or family members.
Where to enter this in NextChapter: Expenses > Family > Cost of care for ill, elderly, or disabled
Line 27: Protection against family violence.
Where to enter this in NextChapter: Expenses > Family > Protection against family violence
Line 28: Additional home energy costs.
Where to enter this in NextChapter: Means Test > Means Test Questions > Additional Expenses > Additional home energy costs in excess of allowance
Line 29: Education expenses for dependent children who are younger than 18.
Where to enter this in NextChapter: Means Test > Means Test Questions > Additional Expenses > Additional education expenses for children under 18 (not to exceed $189.58 per child)
Line 30: Additional food and clothing expense.
Where to enter this in NextChapter: Means Test > Means Test Questions > Additional Expenses > Additional food & clothing expenses (cannot exceed 5% IRS Standards)
Line 31: Continuing charitable contributions.
Where to enter this in NextChapter: Expenses > Family > Charity / Tithes
Line 32: Add all of the additional expense deductions.
Line 33a: Copy line 9b here.
Line 33b: Copy line 13b here.
Line 33c: Copy line 13e here.
Line 33d: List other secured debts.
Where to enter this in NextChapter: Means Test > Means Test Questions > Future Payments on debts (due in 60 months) >Type: Other AND/OR Vehicle
Line 33e: Total average monthly payment.
Line 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?
Where to enter this in NextChapter: Means Test > Means Test Questions > Future Payments on debts (due in 60 months) > Cure Amount
Line 35: Do you owe any priority claims such as a priority tax, child support, or alimony that are past due as of the filing date of your bankruptcy case?
Where to enter this in NextChapter: Means Test > Means Test Questions > Do you owe any priority claims such as a priority tax, child support, or alimony ─ that are past due as of the filing date of your bankruptcy case? > Yes
Line 36: Are you eligible to file a case under Chapter 13?
Where to enter this in NextChapter: Means Test > Means Test Questions > Chapter 13 Eligibility
Line 37: Add all of the deductions for debt payment.
Line 38: Add all of the allowed deductions.
Line 39: Calculate monthly disposable income for 60 months.
Line 39a: Copy line 4, adjusted current monthly income.
Line 39b: Copy line 38, Total deductions.
Line 39c: Monthly disposable income.
Line 39d: Total.
Line 40: Find out whether there is a presumption of abuse.
Line 41a: Fill in the amount of your total nonpriority unsecured debt.
Line 41b: 25% of your total nonpriority unsecured debt. 11 U.S.C. § 707(b)(2)(A)(i)(I).
Line 42: Determine whether the income you have left over after subtracting all allowed deductions is enough to pay 25% of your unsecured, nonpriority debt.
Line 43: Do you have any special circumstances that justify additional expenses or adjustments of current monthly income for which there is no reasonable alternative? 11 U.S.C. § 707(b)(2)(B).
Where to enter this in NextChapter: Means Test > Calculation and Presumption > Any special circumstances that justify additional expenses or adjustments of current monthly income? (11 U.S.C. § 707(b)(2)(B))