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	<title>National Bankruptcy Forum &#187; means test</title>
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	<link>http://www.nationalbankruptcyforum.com</link>
	<description>Bankruptcy Attorney Blogs and Directory</description>
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		<title>8 Eye-Opening Secrets That Reduce the Pain of Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/8-eye-opening-secrets-that-reduce-the-pain-of-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/8-eye-opening-secrets-that-reduce-the-pain-of-bankruptcy/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 06:13:41 +0000</pubDate>
		<dc:creator>Richard Fonfrias</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Exempt]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[Misconceptions]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=7839</guid>
		<description><![CDATA[SECRET #1: Most people keep all their property. In most cases all of your property is exempt in a bankruptcy. This means that, despite rumors to the contrary, you&#8217;ll be able to get debt relief and not lose all of your property. SECRET #2: You don&#8217;t need to be broke to file for Chapter 7 bankruptcy. Although [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is My “Current Monthly Income” and How Does it Affect My Filing of Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-my-%e2%80%9ccurrent-monthly-income%e2%80%9d-and-how-does-it-affect-my-filing-of-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-my-%e2%80%9ccurrent-monthly-income%e2%80%9d-and-how-does-it-affect-my-filing-of-bankruptcy/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 01:48:50 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Means Test]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6560</guid>
		<description><![CDATA[Your Current Monthly Income Affects Eligibility for Chapter 7 Bankruptcy The term “current monthly income” (CMI) is an important concept in bankruptcy that courts use in several “bankruptcy tests”. For example, your “current monthly income” is important because it can effect whether you are eligible to file in a Chapter 7 bankruptcy, and in a [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/what-is-my-%e2%80%9ccurrent-monthly-income%e2%80%9d-and-how-does-it-affect-my-filing-of-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I Get Rid of Criminal Fines and Traffic Tickets in Bankruptcy?</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/can-i-get-rid-of-criminal-fines-and-traffic-tickets-in-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/can-i-get-rid-of-criminal-fines-and-traffic-tickets-in-bankruptcy/#comments</comments>
		<pubDate>Mon, 18 Jul 2011 17:08:39 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Arizona Bankruptcy Law]]></category>
		<category><![CDATA[Bankruptcy Discharge]]></category>
		<category><![CDATA[Bankruptcy Means Test]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[court fines]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[nondischargeable]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=6402</guid>
		<description><![CDATA[Millions of tickets are dolled out every year, not to mention government penalties and fines.  Government tickets and fines are one of the most common forms of debt.  Can these be discharged through a bankruptcy filing? In Chapter 7 bankruptcy, section 523(a)(7) of the Bankruptcy Code specifically states that fines and penalties owed to or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Billionaire Bankruptcies?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/billionaire-bankruptcies/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-case-law-and-analysis/billionaire-bankruptcies/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 18:56:54 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Bankruptcy Basics]]></category>
		<category><![CDATA[Bankruptcy Case Law and Analysis]]></category>
		<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Ethics of Bankruptcy]]></category>
		<category><![CDATA[Federal Bankruptcy Exemptions]]></category>
		<category><![CDATA[Hiring a Bankruptcy Lawyer]]></category>
		<category><![CDATA[Real life Stories]]></category>
		<category><![CDATA[arizona bankruptcy]]></category>
		<category><![CDATA[Arizona bankruptcy attorney]]></category>
		<category><![CDATA[bankrupt]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Bankruptcy Procedure]]></category>
		<category><![CDATA[Can I keep my property if I file bankruptcy?]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[decisions about bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[National Bankruptcy Forum]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>
		<category><![CDATA[should I file for bankruptcy?]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=5998</guid>
		<description><![CDATA[As reports surface that wealthy socialite Patricia Kluge has filed for Chapter 7 bankruptcy protection, many have wondered:  how can you file for bankruptcy when you are a billionaire? When United State bankruptcy laws were drafted, the focus was pro-debtor.  The idea was to provide a fresh start for people who had suffered under the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Small Business Debt and Bankruptcy</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/small-business-debt-and-bankruptcy/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/small-business-debt-and-bankruptcy/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 15:56:10 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Discharge]]></category>
		<category><![CDATA[Chapter 11 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Business Debts]]></category>
		<category><![CDATA[Corporate Debt and Bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=4129</guid>
		<description><![CDATA[Can Bankruptcy Discharge Business Debts? Yes, as a general rule, filing for bankruptcy will eliminate liability for personally guaranteed business debts. In fact, one of the primary policy justifications behind the bankruptcy code is to encourage entrepreneurs. If those brave enough to start a small business were doomed to a lifetime of debt because of [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/small-business-debt-and-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How does the “disposable income” test really work in Chapter 13?</title>
		<link>http://www.nationalbankruptcyforum.com/uncategorized/how-does-the-%e2%80%9cdisposable-income%e2%80%9d-test-really-work-in-chapter-13/</link>
		<comments>http://www.nationalbankruptcyforum.com/uncategorized/how-does-the-%e2%80%9cdisposable-income%e2%80%9d-test-really-work-in-chapter-13/#comments</comments>
		<pubDate>Mon, 21 Feb 2011 19:11:11 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Homes and Bankruptcy]]></category>
		<category><![CDATA[Life After Bankruptcy]]></category>
		<category><![CDATA[Preparing for bankruptcy]]></category>
		<category><![CDATA[Protecting Your Property]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[chapter 13 plan]]></category>
		<category><![CDATA[decisions about bankruptcy]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[how long is the plan payment]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[plan payment]]></category>
		<category><![CDATA[protecting assets in bankruptcy]]></category>
		<category><![CDATA[protecting assets with a bankruptcy attorney]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3893</guid>
		<description><![CDATA[The “disposable income” test is the most important test in determining how much you will have to pay to your unsecured creditors in your chapter 13 bankruptcy. Although the process is complex, this article should give you a better understanding of WHY you are required to pay what you are, and HOW a court determines [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/uncategorized/how-does-the-%e2%80%9cdisposable-income%e2%80%9d-test-really-work-in-chapter-13/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You File for Bankruptcy if You&#8217;ve Been Laid Off From Your Job?</title>
		<link>http://www.nationalbankruptcyforum.com/bankruptcy-myths/can-you-file-for-chapter-7-bankruptcy-if-youve-been-laid-off-from-your-job/</link>
		<comments>http://www.nationalbankruptcyforum.com/bankruptcy-myths/can-you-file-for-chapter-7-bankruptcy-if-youve-been-laid-off-from-your-job/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 00:48:26 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Bankruptcy Myths]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[How Unemployment Might Help You Qualify for Bankruptcy]]></category>
		<category><![CDATA[Job Loss and Chapter 7 Bankruptcy Eligibilty]]></category>
		<category><![CDATA[means test]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3281</guid>
		<description><![CDATA[Yes, it is possible to file for chapter 7 bankruptcy if you&#8217;ve been laid of from your job. Thanks to the parallel universe that is &#8220;bankruptcy reform&#8221;, getting laid off from a job can help debtors qualify for chapter 7 protection. Unlike chapter 13 bankruptcy, chapter 7 does not require that you be employed and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Automobile Operating Expense in the 9th Circuit</title>
		<link>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/automobile-operating-expense-in-the-9th-circuit/</link>
		<comments>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/automobile-operating-expense-in-the-9th-circuit/#comments</comments>
		<pubDate>Fri, 03 Dec 2010 22:02:44 +0000</pubDate>
		<dc:creator>Stephen Trezza</dc:creator>
				<category><![CDATA[Cars and Bankruptcy]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[Exemptions]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[bankruptcy exemptions]]></category>
		<category><![CDATA[Chapter 13 bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[means test]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=3062</guid>
		<description><![CDATA[If a debtor operates a motor vehicle that is not subject to a loan or lease and is more than six model years or has more than 75,000 miles on it than an additional $200 is allowable on line 22A of the means test for operating expenses. If a joint petition is filed and the [...]]]></description>
		<wfw:commentRss>http://www.nationalbankruptcyforum.com/cars-and-bankruptcy/automobile-operating-expense-in-the-9th-circuit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Qualifying For Chapter 7 Bankruptcy: Timing and the Means Test</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-bankruptcy-timing-and-the-means-test/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-bankruptcy-timing-and-the-means-test/#comments</comments>
		<pubDate>Wed, 13 Oct 2010 18:23:33 +0000</pubDate>
		<dc:creator>Jason Schrader</dc:creator>
				<category><![CDATA[Bankruptcy News]]></category>
		<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[2005 Bankruptcy reform]]></category>
		<category><![CDATA[bankruptcy qualify]]></category>
		<category><![CDATA[CA bankruptcy attorney]]></category>
		<category><![CDATA[can I still file?]]></category>
		<category><![CDATA[chapter 7 eligibility]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[decision to file bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[means test preclude chapter 7?]]></category>
		<category><![CDATA[Riverside]]></category>
		<category><![CDATA[too much debt]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2468</guid>
		<description><![CDATA[If you are considering filing a Chapter 7 Bankruptcy case, you may be surprised to learn that the date you file may determine your eligibility for Chapter 7. This is because you must meet one of two requirements to file a Chapter 7 case: (1) you must be below the median income for your state [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Qualifying For Chapter 7 With High Income</title>
		<link>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-with-high-income/</link>
		<comments>http://www.nationalbankruptcyforum.com/chapter-7-bankruptcy/qualifying-for-chapter-7-with-high-income/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 23:51:56 +0000</pubDate>
		<dc:creator>Moderator</dc:creator>
				<category><![CDATA[Chapter 7 Bankruptcy]]></category>
		<category><![CDATA[bankruptcy attorney]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[chapter seven and the means test]]></category>
		<category><![CDATA[deductions in bankruptcy]]></category>
		<category><![CDATA[does too much income preclude me from filing bankruptcy]]></category>
		<category><![CDATA[means test]]></category>
		<category><![CDATA[pass means test]]></category>
		<category><![CDATA[passing the means test]]></category>
		<category><![CDATA[qaulifying for chapter 7]]></category>
		<category><![CDATA[too much salary income]]></category>

		<guid isPermaLink="false">http://www.nationalbankruptcyforum.com/?p=2074</guid>
		<description><![CDATA[Much has been written about the means test since it was enacted as part of the 2005 amendments to the Bankruptcy Code, also known as the BAPCPA. For an excellent explanation of what the means test is, see Lori Patton’s recent contribution: Does Failure to Pass the Means Test Automatically Cut Off Chapter 7 Eligibility? Despite [...]]]></description>
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