{"id":443,"date":"2012-11-08T20:59:21","date_gmt":"2012-11-08T20:59:21","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=443"},"modified":"2012-11-08T21:03:12","modified_gmt":"2012-11-08T21:03:12","slug":"new-median-incomes-for-minnesota-bankruptcy-again","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/","title":{"rendered":"New Median Incomes for Minnesota Bankruptcy – Again"},"content":{"rendered":"
\"Minneapolis<\/a>
Minneapolis Federal Courthouse . If you live in Minneapolis or the Western Suburbs, this is where your bankruptcy hearing will be.<\/figcaption><\/figure>\n

Whether you qualify for a bankruptcy and what type of bankruptcy you qualify for is largely a matter of what your household income is – gross annual income based upon and calculated from what happened over the past six calendar months.\u00a0 It seems to me that I\u00a0just finished posting\u00a0an update on these numbers, but that was in May and already new numbers have come out – effective November 1, 2012.A table showing the new numbers for Minnesota\u00a0can\u00a0be found on my Chapter 7 page<\/a>.\u00a0 They are bad news for anyone who lives alone or in a two person household, since the median incomes for one and\u00a0 two person households have gone\u00a0down this time.\u00a0 The median annual income for a family of one dropped by $496 per year and the median annual\u00a0income for a family of \u00a0two dropped by $738.\u00a0 For everyone else, those in households of more than two persons, the news is good.\u00a0 The annual median income for a family of three actually increased by $1,300.\u00a0 For a\u00a0household of four it went up $409, and for\u00a0household sizes above four\u00a0it went up $409.\u00a0 These increases are of course per year increases, so even the largest – the one for a household of three – is only a bit above $100 per month.<\/p>\n

I can’t explain why these numbers changed, or why there is such a difference from one size of household to another.\u00a0 I can only report that the change did take place.\u00a0 I have been watching these changes, which usually take place very six months, for several years now.\u00a0 It seems to me that they usually go up across the board.\u00a0 The fact that some have gone down this time and that the rest have not gone up by much – to me this seems to indicate\u00a0serious weakness in the economy.<\/p>\n

Whenever I am meeting with a client to go over bankruptcy possibilities, I have to explain that these median income tables are subject to change.\u00a0 If somebody qualifies now but is close to the edge, haste in getting the case filed might be advisable.\u00a0 \u00a0If\u00a0a person or couple is above the applicable median income, they may try doing the means test.\u00a0\u00a0Usually someone who is just a little bit\u00a0above the median income can pass the means test and still file a Chapter 7.\u00a0 I have to caution, however, that above median Chapter 7 debtors are subject to much closer scrutiny by the US Trustee’s office than are those\u00a0who are below the median.<\/p>\n

Lots more\u00a0can\u00a0go wrong in\u00a0a Chapter 7 bankruptcy when the income is above median, even if\u00a0the Debtors do appear on paper to have passed the means test.\u00a0 Often it is safer for folks in these circumstances to file a Chapter 13.<\/p>\n","protected":false},"excerpt":{"rendered":"

Whether you qualify for a bankruptcy and what type of bankruptcy you qualify for is largely a matter of what your household income is – gross annual income based upon and calculated from what happened over the past six calendar months.\u00a0 It seems to me that I\u00a0just finished posting\u00a0an update on these numbers, but that … <\/p>\n

Continue reading “New Median Incomes for Minnesota Bankruptcy – Again”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":445,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4,69,12,155],"tags":[156,157,147,146],"class_list":["post-443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","category-chapter-13","category-chapter-7","category-median-income-for-minnesota-bankruptcy","tag-means-test","tag-median-incomes","tag-minnesota-chapter-13-bankruptcy","tag-minnesota-chapter-7-bankruptcy"],"yoast_head":"\nNew Median Incomes for Minnesota Bankruptcy - Again - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Median Incomes for Minnesota Bankruptcy - Again - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"Whether you qualify for a bankruptcy and what type of bankruptcy you qualify for is largely a matter of what your household income is – gross annual income based upon and calculated from what happened over the past six calendar months.\u00a0 It seems to me that I\u00a0just finished posting\u00a0an update on these numbers, but that … Continue reading "New Median Incomes for Minnesota Bankruptcy – Again"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/davidkelllylawoffice\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-08T20:59:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2012-11-08T21:03:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2012\/11\/minneapolis-federal-courthouse1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DaveKelly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DaveKelly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\"},\"author\":{\"name\":\"DaveKelly\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\"},\"headline\":\"New Median Incomes for Minnesota Bankruptcy – Again\",\"datePublished\":\"2012-11-08T20:59:21+00:00\",\"dateModified\":\"2012-11-08T21:03:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\"},\"wordCount\":493,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2012\/11\/minneapolis-federal-courthouse1.jpg\",\"keywords\":[\"means test\",\"median incomes\",\"Minnesota Chapter 13 Bankruptcy\",\"Minnesota Chapter 7 bankruptcy\"],\"articleSection\":[\"bankruptcy\",\"chapter 13\",\"chapter 7\",\"Median Income for Minnesota Bankruptcy\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/\",\"name\":\"New Median Incomes for Minnesota Bankruptcy - 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"New Median Incomes for Minnesota Bankruptcy - Again - Better Call Dave - Bankrupt MN Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/","og_locale":"en_US","og_type":"article","og_title":"New Median Incomes for Minnesota Bankruptcy - Again - Better Call Dave - Bankrupt MN Blog","og_description":"Whether you qualify for a bankruptcy and what type of bankruptcy you qualify for is largely a matter of what your household income is – gross annual income based upon and calculated from what happened over the past six calendar months.\u00a0 It seems to me that I\u00a0just finished posting\u00a0an update on these numbers, but that … Continue reading \"New Median Incomes for Minnesota Bankruptcy – Again\"","og_url":"https:\/\/mn-bankruptcy.com\/blog\/new-median-incomes-for-minnesota-bankruptcy-again\/","og_site_name":"Better Call Dave - 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