The means test lines that change the game
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The Means Test: Lines that change the game PowerPoint PPT Presentation


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The Means Test: Lines that change the game. Cathy Moran Susanne Robicsek. The Means Test.  Making practical sense of …much of BAPCPA, requires bankruptcy judges to adopt the approach of the White Queen, and believe in " as many as six impossible things before breakfast." 

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The Means Test: Lines that change the game

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The Means Test:Lines that change the game

Cathy Moran

Susanne Robicsek


The Means Test

 Making practical sense of …much of BAPCPA, requires bankruptcy judges to adopt

the approach of the White Queen, and

believe in "as many as six impossible things before breakfast." 

Trejos, 352 BR 249


GAME CHANGERS


Are debts primarily consumer?


Received

and

Derived?


The only thing constant in life is change


When things have changed

  • Job loss

  • Lumpy income

  • Changing or irregular household size


Marital adjustment


Possible adjustments

  • support

  • separate debts

  • 401(k) contributions

  • student loan payments

  • recreation & hobbies

  • bad habits


Business cases


Debtor gets a refund


Debtor owes taxes


Tax situation will change


Line 31


Personal deferred maintenance


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The Means Test:Lines that change the game

Cathy Moran

Susanne Robicsek


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