{"id":631,"date":"2014-03-26T12:18:09","date_gmt":"2014-03-26T12:18:09","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=631"},"modified":"2014-03-26T17:41:27","modified_gmt":"2014-03-26T17:41:27","slug":"higher-median-incomes-effective-november-15th","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/higher-median-incomes-effective-november-15th\/","title":{"rendered":"Higher Median Incomes Effective April 1st"},"content":{"rendered":"<p>As explained on the <a title=\"Filing Chapter 7 Bankruptcy in Minnesota\" href=\"http:\/\/www.mn-bankruptcy.com\/chapter7.html\">Chapter 7 pag<\/a>e and<a title=\"Filing Chapter 13 Bankruptcy in Minnesota\" href=\"http:\/\/www.mn-bankruptcy.com\/chapter13.html\"> Chapter 13 page<\/a> of my site, most bankruptcy eligibility questions key off how your income compares to the median income levels set by the Justice Department for the state in which you live. \u00a0The justice department has a new median income update which becomes effective April 1, 2014. \u00a0The income levels for all family sizes in Minnesota have gone up by at least another $1,000 or so per year. \u00a0 The new median incomes are are follows:<\/p>\n<table width=\"75%\" border=\"1\">\n<tbody>\n<tr>\n<td><strong>1 Person<\/strong><\/td>\n<td><strong>2 People<\/strong><\/td>\n<td><strong>3 People<\/strong><\/td>\n<td><strong>4 People<\/strong><\/td>\n<td><strong>5 People<\/strong><\/td>\n<td><strong>6 People<\/strong><\/td>\n<td><strong>7 People<\/strong><\/td>\n<\/tr>\n<tr>\n<td>$49,592<\/td>\n<td>$65,398<\/td>\n<td>$78,715<\/td>\n<td>$92,277<\/td>\n<td>$100,377<\/td>\n<td>$108,477<\/td>\n<td>$116,577<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Add $8,100 for each individual in excess of 7.<\/li>\n<\/ul>\n<p>Every case is different, but in most cases if your gross income annualized over the six months before filing comes to less than the median for your household size, you should qualify for a Chapter 7 bankruptcy. \u00a0If your income is higher than the median, there are other options. \u00a0One option is to try doing the means test. \u00a0If you pass, a Chapter 7 might still be possible. \u00a0If not, your most likely choice would then be to do a Chapter 13 bankruptcy.<\/p>\n<p>Even if you pass the means test, sometimes a Chapter 13 is still a better idea. \u00a0It seems that once your income is above median, the trustee&#8217;s office presumes that you are not entitled to a Chapter 7. \u00a0You will have to be ready to prove all the information that you put in the means test. \u00a0You may be asked for several months of bank statements. \u00a0You may be asked about the income of any children or other individuals in your household. \u00a0The reasonableness of the expenses you claim may be challenged. \u00a0By the time the trustee is finished with this process, you may decide to convert your Chapter 7 to a Chapter 13; and if you don&#8217;t you may neverthless wish you had started with a 13 in the first place.<\/p>\n<p>While there are mathematical formulas involved, it remains more of an art than a science. \u00a0The trustee&#8217;s office looks at the numbers but also at the totality of the circumstances in deciding how much trouble if any to give you. You need to get a competent lawyer and stay close to that person as you go through the process.<\/p>\n<p>This post is for general information purposes only and does not create an attorney-client relationship. \u00a0It is not legal advice. \u00a0I am a debt relief agency, helping people file for relief under the federal bankruptcy code.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As explained on the Chapter 7 page and Chapter 13 page of my site, most bankruptcy eligibility questions key off how your income compares to the median income levels set by the Justice Department for the state in which you live. \u00a0The justice department has a new median income update which becomes effective April 1, &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/higher-median-incomes-effective-november-15th\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Higher Median Incomes Effective April 1st&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":634,"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":[],"class_list":["post-631","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"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Higher Median Incomes Effective April 1st - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"description\" content=\"New median income numbers for bankruptcy eligibility have just been published. Should make filing a bit easier.\" \/>\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\/higher-median-incomes-effective-november-15th\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Higher Median Incomes Effective April 1st - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"New median income numbers for bankruptcy eligibility have just been published. 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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":"Higher Median Incomes Effective April 1st - Better Call Dave - Bankrupt MN Blog","description":"New median income numbers for bankruptcy eligibility have just been published. 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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. 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