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Tag Archives: filing bankruptcy

You Passed The Means Test — Not So Fast!

Because your current monthly income (CMI) is based upon your present income — and not the income when you filed for bankruptcy — you may pass a means test. However, your actual income when compared to your actual expenses equates to a surplus in funds every month. Therefore, a Chapter 7 bankruptcy filing could be […]

Are All Creditors Equal In New York?

Prior to filing bankruptcy, you may provide payment to some creditors and nothing to others. These types of payments are deemed “preferences,” because you favor some creditors over others. If a payment qualifies as a preference, then the trustee may require the creditor to give back the funds to your bankruptcy estate, to be divided […]

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