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The Means Test: Strategies for Navigating Bankruptcy Changes

Discover practical insights on leveraging The Means Test under BAPCPA. Learn to adapt to evolving financial circumstances like job loss, dynamic income, and tax adjustments while managing debts. Transform your bankruptcy approach with key insights and essential tools to excel in challenging financial scenarios. Stay ahead with expert guidance from Cathy Moran and Susanne Robicsek. Explore real-world cases and downloadable resources to empower your bankruptcy journey.

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The Means Test: Strategies for Navigating Bankruptcy Changes

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  1. The Means Test:Lines that change the game Cathy Moran Susanne Robicsek

  2. 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

  3. GAME CHANGERS

  4. Are debts primarily consumer?

  5. Received and Derived?

  6. The only thing constant in life is change

  7. When things have changed • Job loss • Lumpy income • Changing or irregular household size

  8. Marital adjustment

  9. Possible adjustments • support • separate debts • 401(k) contributions • student loan payments • recreation & hobbies • bad habits

  10. Business cases

  11. Debtor gets a refund

  12. Debtor owes taxes

  13. Tax situation will change

  14. Line 31

  15. Personal deferred maintenance

  16. Download slides www.bankruptcymastery.com/workshopslides

  17. Share means test cases MeansTestCompendium@gmail.com

  18. The Means Test:Lines that change the game Cathy Moran Susanne Robicsek

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