Form B22A PDF Details

The journey through filing for bankruptcy under Chapter 7 is paved with various documents and forms, each playing a crucial role in the process. Among these, the B22A form, officially recognized as the Official Form 22A for Chapter 7, stands out as a vital component. This document, revised in April 2013, is intricately designed to provide a comprehensive statement of current monthly income and a means-test calculation for individuals embarking on this legal financial reset path. The form is segmented into detailed parts, each with a focused purpose, from identifying military and non-consumer debtors to calculating monthly income and necessary expenses. It extends to cater to special groups such as disabled veterans, non-consumer debtors, reservists, and members of the National Guard, each with designated sections to affirm their status and navigate the intricacies of bankruptcy means testing. Additionally, it delves into the various sources of an individual’s income, outlining specific details required for a thorough evaluation. With its detailed instructions and structured format, the B22A form acts as a critical tool in assessing an individual's financial standing, determining eligibility, and guiding through the bankruptcy filing process under Chapter 7.

QuestionAnswer
Form NameForm B22A
Form Length9 pages
Fillable?No
Fillable fields0
Avg. time to fill out2 min 15 sec
Other namesform chapter 7, form chapter 7 pdf, how to b 22a, chapter 7 statement

Form Preview Example

B22A (Official Form 22A) (Chapter 7) (04/13)

 

 

 

 

 

 

 

 

In re ______________________________

According to the information required to be entered on this statement

 

Debtor(s)

(check one box as directed in Part I, III, or VI of this statement):

 

Case Number: __________________

The presumption arises.

 

The presumption does not arise.

 

(If known)

 

The presumption is temporarily inapplicable.

 

 

 

 

 

 

 

 

CHAPTER 7 STATEMENT OF CURRENT MONTHLY INCOME

AND MEANS-TEST CALCULATION

In addition to Schedules I and J, this statement must be completed by every individual chapter 7 debtor. If none of the exclusions in Part I applies, joint debtors may complete one statement only. If any of the exclusions in Part I applies, joint debtors should complete separate statements if they believe this is required by § 707(b)(2)(C).

Part I. MILITARY AND NON-CONSUMER DEBTORS

 

 

 

 

Disabled Veterans. If you are a disabled veteran described in the Declaration in this Part IA, (1) check the box at the

 

 

 

 

beginning of the Declaration, (2) check the box for “The presumption does not arise” at the top of this statement, and (3)

 

 

 

 

complete the verification in Part VIII. Do not complete any of the remaining parts of this statement.

 

1A

 

 

Declaration of Disabled Veteran. By checking this box, I declare under penalty of perjury that I am a disabled veteran

 

 

 

 

 

 

 

 

(as defined in 38 U.S.C. § 3741(1)) whose indebtedness occurred primarily during a period in which I was on active duty

 

 

 

 

(as defined in 10 U.S.C. § 101(d)(1)) or while I was performing a homeland defense activity (as defined in 32 U.S.C.

 

 

 

§901(1)).

 

 

 

 

 

 

 

 

 

Non-consumer Debtors. If your debts are not primarily consumer debts, check the box below and complete the

 

1B

 

 

verification in Part VIII. Do not complete any of the remaining parts of this statement.

 

 

 

 

 

 

 

 

Declaration of non-consumer debts. By checking this box, I declare that my debts are not primarily consumer debts.

 

 

 

 

 

Reservists and National Guard Members; active duty or homeland defense activity. Members of a reserve component of the Armed Forces and members of the National Guard who were called to active duty (as defined in 10 U.S.C.

§101(d)(1)) after September 11, 2001, for a period of at least 90 days, or who have performed homeland defense activity (as defined in 32 U.S.C. § 901(1)) for a period of at least 90 days, are excluded from all forms of means testing during the time of active duty or homeland defense activity and for 540 days thereafter (the “exclusion period”). If you qualify for this temporary exclusion, (1) check the appropriate boxes and complete any required information in the Declaration of Reservists and National Guard Members below, (2) check the box for “The presumption is temporarily inapplicable” at the top of this statement, and (3) complete the verification in Part VIII. During your exclusion period you are not required to complete the balance of this form, but you must complete the form no later than 14 days after the date on which your exclusion period ends, unless the time for filing a motion raising the means test presumption expires in your case before your exclusion period ends.

 

Declaration of Reservists and National Guard Members. By checking this box and making the appropriate entries

1C

below, I declare that I am eligible for a temporary exclusion from means testing because, as a member of a reserve

 

 

component of the Armed Forces or the National Guard

 

a.

I was called to active duty after September 11, 2001, for a period of at least 90 days and

 

 

I remain on active duty /or/

 

 

I was released from active duty on ________________, which is less than 540 days before

 

this bankruptcy case was filed;

 

 

OR

 

b.

I am performing homeland defense activity for a period of at least 90 days /or/

 

 

I performed homeland defense activity for a period of at least 90 days, terminating on

 

 

_______________, which is less than 540 days before this bankruptcy case was filed.

B 22A (Official Form 22A) (Chapter 7) (04/13)

2

 

 

 

 

 

Part II. CALCULATION OF MONTHLY INCOME FOR § 707(b)(7) EXCLUSION

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Marital/filing status. Check the box that applies and complete the balance of this part of this statement as directed.

 

 

 

a.

Unmarried. Complete only Column A (“Debtor’s Income”) for Lines 3-11.

 

 

 

 

 

b.

Married, not filing jointly, with declaration of separate households. By checking this box, debtor declares under

 

 

 

 

 

penalty of perjury: “My spouse and I are legally separated under applicable non-bankruptcy law or my spouse and I

2

 

 

 

are living apart other than for the purpose of evading the requirements of § 707(b)(2)(A) of the Bankruptcy Code.”

 

 

 

Complete only Column A (“Debtor’s Income”) for Lines 3-11.

 

 

 

 

 

 

 

 

 

 

 

 

c.

Married, not filing jointly, without the declaration of separate households set out in Line 2.b above. Complete both

 

 

 

 

 

Column A (“Debtor’s Income”) and Column B (“Spouse’s Income”) for Lines 3-11.

 

 

 

 

 

d.

Married, filing jointly. Complete both Column A (“Debtor’s Income”) and Column B (“Spouse’s Income”) for

 

 

 

 

 

Lines 3-11.

 

 

 

 

 

 

 

 

 

All figures must reflect average monthly income received from all sources, derived during

Column A

Column B

 

 

 

the six calendar months prior to filing the bankruptcy case, ending on the last day of the

Debtor’s

Spouse’s

 

 

 

month before the filing. If the amount of monthly income varied during the six months, you

 

 

 

Income

Income

 

 

 

must divide the six-month total by six, and enter the result on the appropriate line.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3

 

Gross wages, salary, tips, bonuses, overtime, commissions.

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income from the operation of a business, profession or farm. Subtract Line b from Line a

 

 

 

 

 

and enter the difference in the appropriate column(s) of Line 4. If you operate more than one

 

 

 

 

 

business, profession or farm, enter aggregate numbers and provide details on an attachment.

 

 

 

 

 

Do not enter a number less than zero. Do not include any part of the business expenses

 

 

 

4

 

entered on Line b as a deduction in Part V.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

 

Gross receipts

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

Ordinary and necessary business expenses

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

 

Business income

Subtract Line b from Line a

 

 

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Rent and other real property income. Subtract Line b from Line a and enter the difference

 

 

 

 

 

in the appropriate column(s) of Line 5. Do not enter a number less than zero. Do not include

 

 

 

 

 

any part of the operating expenses entered on Line b as a deduction in Part V.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

5

 

 

a.

 

Gross receipts

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

Ordinary and necessary operating expenses

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

 

Rent and other real property income

Subtract Line b from Line a

 

 

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

6

 

Interest, dividends and royalties.

 

 

 

 

$

$

 

7

 

Pension and retirement income.

 

 

 

 

$

$

 

 

 

Any amounts paid by another person or entity, on a regular basis, for the household

 

 

 

 

 

expenses of the debtor or the debtor’s dependents, including child support paid for that

 

 

 

8

 

purpose. Do not include alimony or separate maintenance payments or amounts paid by

 

 

 

 

 

your spouse if Column B is completed. Each regular payment should be reported in only one

 

 

 

 

 

column; if a payment is listed in Column A, do not report that payment in Column B.

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unemployment compensation. Enter the amount in the appropriate column(s) of Line 9.

 

 

 

 

 

However, if you contend that unemployment compensation received by you or your spouse

 

 

 

 

 

was a benefit under the Social Security Act, do not list the amount of such compensation in

 

 

 

9

 

Column A or B, but instead state the amount in the space below:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unemployment compensation claimed to

 

 

 

 

 

 

 

 

 

 

 

be a benefit under the Social Security Act

Debtor $ ________

Spouse $ _________

 

$

$

 

 

 

 

 

 

 

 

 

 

 

 

B 22A (Official Form 22A) (Chapter 7) (04/13)

3

 

 

 

Income from all other sources. Specify source and amount. If necessary, list additional

 

 

 

 

 

sources on a separate page. Do not include alimony or separate maintenance payments

 

 

 

 

 

paid by your spouse if Column B is completed, but include all other payments of

 

 

 

 

 

alimony or separate maintenance. Do not include any benefits received under the Social

 

 

 

10

 

Security Act or payments received as a victim of a war crime, crime against humanity, or as a

 

 

 

 

victim of international or domestic terrorism.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total and enter on Line 10

 

 

$

$

 

 

 

 

 

 

 

 

 

11

 

Subtotal of Current Monthly Income for § 707(b)(7). Add Lines 3 thru 10 in Column A,

 

 

 

 

and, if Column B is completed, add Lines 3 through 10 in Column B. Enter the total(s).

$

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Current Monthly Income for § 707(b)(7). If Column B has been completed, add

 

 

 

12

 

Line 11, Column A to Line 11, Column B, and enter the total. If Column B has not been

$

 

 

 

 

completed, enter the amount from Line 11, Column A.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Part III. APPLICATION OF § 707(b)(7) EXCLUSION

 

13

 

Annualized Current Monthly Income for § 707(b)(7). Multiply the amount from Line 12 by the number

 

 

 

12 and enter the result.

$

 

 

 

 

 

 

 

 

 

 

 

Applicable median family income. Enter the median family income for the applicable state and household

 

 

14

 

size. (This information is available by family size at www.usdoj.gov/ust/ or from the clerk of the

 

 

 

bankruptcy court.)

 

 

 

 

 

 

 

 

a. Enter debtor’s state of residence: _______________ b. Enter debtor’s household size: __________

$

 

 

 

 

 

 

 

 

Application of Section 707(b)(7). Check the applicable box and proceed as directed.

 

 

15

 

The amount on Line 13 is less than or equal to the amount on Line 14. Check the box for “The presumption does

 

 

 

not arise” at the top of page 1 of this statement, and complete Part VIII; do not complete Parts IV, V, VI or VII.

 

 

 

The amount on Line 13 is more than the amount on Line 14. Complete the remaining parts of this statement.

 

 

 

Complete Parts IV, V, VI, and VII of this statement only if required. (See Line 15.)

Part IV. CALCULATION OF CURRENT MONTHLY INCOME FOR § 707(b)(2)

16

 

Enter the amount from Line 12.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

Marital adjustment. If you checked the box at Line 2.c, enter on Line 17 the total of any income listed in

 

 

 

 

 

Line 11, Column B that was NOT paid on a regular basis for the household expenses of the debtor or the

 

 

 

 

 

debtor’s dependents. Specify in the lines below the basis for excluding the Column B income (such as

 

 

 

 

 

payment of the spouse’s tax liability or the spouse’s support of persons other than the debtor or the debtor’s

 

 

 

 

 

dependents) and the amount of income devoted to each purpose. If necessary, list additional adjustments on

 

 

 

17

 

a separate page. If you did not check box at Line 2.c, enter zero.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total and enter on Line 17.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

18

 

Current monthly income for § 707(b)(2). Subtract Line 17 from Line 16 and enter the result.

 

$

 

 

 

 

 

 

 

 

 

 

B 22A (Official Form 22A) (Chapter 7) (04/13)

4

 

 

 

 

 

Part V. CALCULATION OF DEDUCTIONS FROM INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Subpart A: Deductions under Standards of the Internal Revenue Service (IRS)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

National Standards: food, clothing and other items. Enter in Line 19A the “Total” amount from IRS

 

 

 

 

 

National Standards for Food, Clothing and Other Items for the applicable number of persons. (This

 

 

 

19A

 

information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) The applicable

 

 

 

 

 

number of persons is the number that would currently be allowed as exemptions on your federal income tax

 

 

 

 

 

return, plus the number of any additional dependents whom you support.

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

National Standards: health care. Enter in Line a1 below the amount from IRS National Standards for Out-

 

 

 

 

 

of-Pocket Health Care for persons under 65 years of age, and in Line a2 the IRS National Standards for Out-

 

 

 

 

 

of-Pocket Health Care for persons 65 years of age or older. (This information is available at

 

 

 

 

 

www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.)

Enter in Line b1 the applicable number of

 

 

 

 

 

persons who are under 65 years of age, and enter in Line b2 the applicable number of persons who are 65

 

 

 

 

 

years of age or older. (The applicable number of persons in each age category is the number in that category

 

 

 

 

 

that would currently be allowed as exemptions on your federal income tax return, plus the number of any

 

 

 

 

 

additional dependents whom you support.) Multiply Line a1 by Line b1 to obtain a total amount for persons

 

 

 

19B

 

under 65, and enter the result in Line c1.

Multiply Line a2 by Line b2 to obtain a total amount for persons 65

 

 

 

 

 

and older, and enter the result in Line c2. Add Lines c1 and c2 to obtain a total health care amount, and

 

 

 

 

 

enter the result in Line 19B.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Persons under 65 years of age

 

Persons 65 years of age or older

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a1.

Allowance per person

 

 

a2.

 

Allowance per person

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b1.

Number of persons

 

 

b2.

 

Number of persons

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c1.

Subtotal

 

 

c2.

 

Subtotal

 

 

 

 

$

 

 

 

Local Standards: housing and utilities; non-mortgage expenses. Enter the amount of the IRS Housing and

 

 

 

 

 

Utilities Standards; non-mortgage expenses for the applicable county and family size. (This information is

 

 

 

20A

 

available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court). The applicable family size

 

 

 

 

 

consists of the number that would currently be allowed as exemptions on your federal income tax return, plus

 

 

 

 

 

the number of any additional dependents whom you support.

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

Local Standards: housing and utilities; mortgage/rent expense. Enter, in Line a below, the amount of the

 

 

 

 

 

IRS Housing and Utilities Standards; mortgage/rent expense for your county and family size (this

 

 

 

 

 

information is available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court) (the applicable

 

 

 

 

 

family size consists of the number that would currently be allowed as exemptions on your federal income tax

 

 

 

 

 

return, plus the number of any additional dependents whom you support); enter on Line b the total of the

 

 

 

20B

 

Average Monthly Payments for any debts secured by your home, as stated in Line 42; subtract Line b from

 

 

 

 

Line a and enter the result in Line 20B. Do not enter an amount less than zero.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

IRS Housing and Utilities Standards; mortgage/rental expense

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

Average Monthly Payment for any debts secured by your home,

 

 

 

 

 

 

 

 

 

 

if any, as stated in Line 42

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

Net mortgage/rental expense

 

 

 

 

Subtract Line b from Line a.

 

 

$

 

 

 

Local Standards: housing and utilities; adjustment. If you contend that the process set out in Lines 20A

 

 

 

 

 

and 20B does not accurately compute the allowance to which you are entitled under the IRS Housing and

 

 

 

 

 

Utilities Standards, enter any additional amount to which you contend you are entitled, and state the basis for

 

 

 

21

 

your contention in the space below:

 

 

 

 

 

 

 

 

 

 

 

 

_______________________________________________________________________________________

 

 

 

 

 

_______________________________________________________________________________________

 

 

 

 

 

_______________________________________________________________________________________

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

B 22A (Official Form 22A) (Chapter 7) (04/13)

5

 

 

 

Local Standards: transportation; vehicle operation/public transportation expense. You are entitled to

 

 

 

 

 

an expense allowance in this category regardless of whether you pay the expenses of operating a vehicle and

 

 

 

 

 

regardless of whether you use public transportation.

 

 

 

 

 

 

 

Check the number of vehicles for which you pay the operating expenses or for which the operating expenses

 

 

 

 

 

are included as a contribution to your household expenses in Line 8.

 

 

 

 

 

22A

 

0

1

2 or more.

 

 

 

 

 

 

 

If you checked 0, enter on Line 22A the “Public Transportation” amount from IRS Local Standards:

 

 

 

 

 

Transportation. If you checked 1 or 2 or more, enter on Line 22A the “Operating Costs” amount from IRS

 

 

 

 

 

Local Standards: Transportation for the applicable number of vehicles in the applicable Metropolitan

 

 

 

 

 

Statistical Area or Census Region. (These amounts are available at www.usdoj.gov/ust/ or from the clerk of

 

 

 

 

 

the bankruptcy court.)

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Local Standards: transportation; additional public transportation expense. If you pay the operating

 

 

 

 

 

expenses for a vehicle and also use public transportation, and you contend that you are entitled to an

 

 

 

22B

 

additional deduction for your public transportation expenses, enter on Line 22B the “Public Transportation”

 

 

 

 

 

amount from IRS Local Standards: Transportation. (This amount is available at www.usdoj.gov/ust/ or from

 

 

 

 

 

the clerk of the bankruptcy court.)

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Local Standards: transportation ownership/lease expense; Vehicle 1. Check the number of vehicles for

 

 

 

 

 

which you claim an ownership/lease expense. (You may not claim an ownership/lease expense for more than

 

 

 

 

 

two vehicles.)

 

 

 

 

 

 

 

 

1

2 or more.

 

 

 

 

 

 

 

Enter, in Line a below, the “Ownership Costs” for “One Car” from the IRS Local Standards: Transportation

 

 

 

 

 

(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the

 

 

 

23

 

Average Monthly Payments for any debts secured by Vehicle 1, as stated in Line 42; subtract Line b from

 

 

 

 

 

Line a and enter the result in Line 23. Do not enter an amount less than zero.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

IRS Transportation Standards, Ownership Costs

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

Average Monthly Payment for any debts secured by Vehicle 1,

 

 

 

 

 

 

 

 

 

as stated in Line 42

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

Net ownership/lease expense for Vehicle 1

Subtract Line b from Line a.

 

 

$

 

 

 

Local Standards: transportation ownership/lease expense; Vehicle 2. Complete this Line only if you

 

 

 

 

 

checked the “2 or more” Box in Line 23.

 

 

 

 

 

 

 

Enter, in Line a below, the “Ownership Costs” for “One Car” from the IRS Local Standards: Transportation

 

 

 

 

 

(available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy court); enter in Line b the total of the

 

 

 

 

 

Average Monthly Payments for any debts secured by Vehicle 2, as stated in Line 42; subtract Line b from

 

 

 

24

 

Line a and enter the result in Line 24. Do not enter an amount less than zero.

 

 

 

 

 

 

a.

IRS Transportation Standards, Ownership Costs

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

Average Monthly Payment for any debts secured by Vehicle 2,

 

 

 

 

 

 

 

 

 

as stated in Line 42

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

Net ownership/lease expense for Vehicle 2

Subtract Line b from Line a.

 

 

$

 

 

 

Other Necessary Expenses: taxes. Enter the total average monthly expense that you actually incur for all

 

 

 

25

 

federal, state and local taxes, other than real estate and sales taxes, such as income taxes, self-employment

 

 

 

 

 

taxes, social-security taxes, and Medicare taxes. Do not include real estate or sales taxes.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

Other Necessary Expenses: involuntary deductions for employment. Enter the total average monthly

 

 

 

26

 

payroll deductions that are required for your employment, such as retirement contributions, union dues, and

 

 

 

 

 

uniform costs. Do not include discretionary amounts, such as voluntary 401(k) contributions.

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

27

 

Other Necessary Expenses: life insurance. Enter total average monthly premiums that you actually pay for

 

 

 

 

term life insurance for yourself. Do not include premiums for insurance on your dependents, for whole

 

$

 

 

 

life or for any other form of insurance.

 

 

 

 

 

 

 

 

 

 

 

 

 

Other Necessary Expenses: court-ordered payments. Enter the total monthly amount that you are

 

 

 

28

 

required to pay pursuant to the order of a court or administrative agency, such as spousal or child support

 

 

 

 

 

payments. Do not include payments on past due obligations included in Line 44.

 

$

 

 

 

 

 

 

 

 

 

 

 

B 22A (Official Form 22A) (Chapter 7) (04/13)

6

 

 

 

 

Other Necessary Expenses: education for employment or for a physically or mentally challenged child.

 

 

 

 

29

 

Enter the total average monthly amount that you actually expend for education that is a condition of

 

 

 

 

 

employment and for education that is required for a physically or mentally challenged dependent child for

 

 

 

 

 

 

 

 

 

 

 

 

whom no public education providing similar services is available.

$

 

 

 

 

 

 

 

 

 

 

 

 

Other Necessary Expenses: childcare. Enter the total average monthly amount that you actually expend on

 

 

 

 

30

 

childcare—such as baby-sitting, day care, nursery and preschool. Do not include other educational

 

 

 

 

 

 

payments.

$

 

 

 

 

 

 

 

 

 

 

 

 

Other Necessary Expenses: health care. Enter the total average monthly amount that you actually expend

 

 

 

 

31

 

on health care that is required for the health and welfare of yourself or your dependents, that is not

 

 

 

 

 

 

reimbursed by insurance or paid by a health savings account, and that is in excess of the amount entered in

 

 

 

 

 

 

Line 19B. Do not include payments for health insurance or health savings accounts listed in Line 34.

$

 

 

 

 

 

 

 

 

 

 

 

 

Other Necessary Expenses: telecommunication services. Enter the total average monthly amount that you

 

 

32actually pay for telecommunication services other than your basic home telephone and cell phone service— such as pagers, call waiting, caller id, special long distance, or internet service—to the extent necessary for

 

your health and welfare or that of your dependents. Do not include any amount previously deducted.

$

 

 

 

33

Total Expenses Allowed under IRS Standards. Enter the total of Lines 19 through 32.

$

 

 

 

 

 

 

 

 

Subpart B: Additional Living Expense Deductions

 

 

 

 

 

 

 

 

Note: Do not include any expenses that you have listed in Lines 19-32

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Health Insurance, Disability Insurance, and Health Savings Account Expenses. List the monthly

 

 

 

 

 

 

expenses in the categories set out in lines a-c below that are reasonably necessary for yourself, your spouse,

 

 

 

 

 

 

or your dependents.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

Health Insurance

$

 

 

 

 

 

34

 

 

 

 

 

 

 

 

 

 

 

 

b.

Disability Insurance

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

Health Savings Account

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total and enter on Line 34

 

 

 

$

 

 

 

 

If you do not actually expend this total amount, state your actual total average monthly expenditures in the

 

 

 

 

 

 

 

 

 

 

 

 

space below:

 

 

 

 

 

 

 

 

$ ____________

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Continued contributions to the care of household or family members. Enter the total average actual

 

 

 

 

35

 

monthly expenses that you will continue to pay for the reasonable and necessary care and support of an

 

 

 

 

 

elderly, chronically ill, or disabled member of your household or member of your immediate family who is

 

 

 

 

 

 

 

 

 

 

 

 

unable to pay for such expenses.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

Protection against family violence. Enter the total average reasonably necessary monthly expenses that you

 

 

 

 

36

 

actually incurred to maintain the safety of your family under the Family Violence Prevention and Services

 

 

 

 

 

Act or other applicable federal law. The nature of these expenses is required to be kept confidential by the

 

 

 

 

 

 

 

 

 

 

 

 

court.

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

Home energy costs. Enter the total average monthly amount, in excess of the allowance specified by IRS

 

 

 

 

37

 

Local Standards for Housing and Utilities, that you actually expend for home energy costs. You must

 

 

 

 

 

 

provide your case trustee with documentation of your actual expenses, and you must demonstrate that

 

$

 

 

 

 

the additional amount claimed is reasonable and necessary.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Education expenses for dependent children less than 18. Enter the total average monthly expenses that

 

 

 

 

 

 

you actually incur, not to exceed $156.25* per child, for attendance at a private or public elementary or

 

 

 

 

38

 

secondary school by your dependent children less than 18 years of age. You must provide your case trustee

 

 

 

 

 

 

with documentation of your actual expenses, and you must explain why the amount claimed is

 

$

 

 

 

 

reasonable and necessary and not already accounted for in the IRS Standards.

 

 

 

 

 

 

 

 

 

 

 

 

 

*Amount subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

B 22A (Official Form 22A) (Chapter 7) (04/13)

7

 

 

 

 

Additional food and clothing expense. Enter the total average monthly amount by which your food and

 

 

 

 

 

 

clothing expenses exceed the combined allowances for food and clothing (apparel and services) in the IRS

 

 

 

 

39

 

National Standards, not to exceed 5% of those combined allowances. (This information is available at

 

 

 

 

 

 

www.usdoj.gov/ust/ or from the clerk of the bankruptcy court.) You must demonstrate that the additional

 

 

 

 

 

 

amount claimed is reasonable and necessary.

$

 

 

 

 

 

 

 

 

 

 

40

 

Continued charitable contributions. Enter the amount that you will continue to contribute in the form of

 

 

 

 

 

cash or financial instruments to a charitable organization as defined in 26 U.S.C. § 170(c)(1)-(2).

$

 

 

 

 

 

 

 

 

 

 

 

 

 

41

Total Additional Expense Deductions under § 707(b). Enter the total of Lines 34 through 40

$

Subpart C: Deductions for Debt Payment

 

Future payments on secured claims. For each of your debts that is secured by an interest in property that

 

 

 

you own, list the name of the creditor, identify the property securing the debt, state the Average Monthly

 

 

 

Payment, and check whether the payment includes taxes or insurance. The Average Monthly Payment is the

 

 

 

total of all amounts scheduled as contractually due to each Secured Creditor in the 60 months following the

 

 

 

filing of the bankruptcy case, divided by 60. If necessary, list additional entries on a separate page. Enter

 

 

 

the total of the Average Monthly Payments on Line 42.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Name of

Property Securing the Debt

 

Average

Does payment

 

 

 

42

 

 

Creditor

 

 

Monthly

include taxes

 

 

 

 

 

 

 

 

 

Payment

or insurance?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

 

 

$

yes

no

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

 

$

yes

no

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

 

 

$

yes

no

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total: Add

 

 

 

 

 

$

 

 

 

 

 

Lines a, b and c.

 

 

 

 

 

 

Other payments on secured claims. If any of debts listed in Line 42 are secured by your primary

 

 

 

residence, a motor vehicle, or other property necessary for your support or the support of your dependents,

 

 

 

you may include in your deduction 1/60th of any amount (the “cure amount”) that you must pay the creditor

 

 

 

in addition to the payments listed in Line 42, in order to maintain possession of the property. The cure

 

 

 

amount would include any sums in default that must be paid in order to avoid repossession or foreclosure.

 

 

 

List and total any such amounts in the following chart. If necessary, list additional entries on a separate

 

 

 

page.

 

 

 

 

 

 

 

 

 

43

 

 

Name of

Property Securing the Debt

 

1/60th of the Cure Amount

 

 

 

 

 

 

Creditor

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

b.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 

 

 

 

 

 

Total: Add Lines a, b and c

 

 

 

 

Payments on prepetition priority claims. Enter the total amount, divided by 60, of all priority claims, such

 

 

44

as priority tax, child support and alimony claims, for which you were liable at the time of your bankruptcy

 

 

 

filing. Do not include current obligations, such as those set out in Line 28.

 

 

 

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

 

B 22A (Official Form 22A) (Chapter 7) (04/13)

 

 

8

 

 

 

 

Chapter 13 administrative expenses. If you are eligible to file a case under chapter 13, complete the

 

 

 

 

 

 

following chart, multiply the amount in line a by the amount in line b, and enter the resulting administrative

 

 

 

 

 

 

expense.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

a.

Projected average monthly chapter 13 plan payment.

$

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

45

 

 

b.

Current multiplier for your district as determined under schedules issued

 

 

 

 

 

 

 

 

 

by the Executive Office for United States Trustees. (This information is

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

available at www.usdoj.gov/ust/ or from the clerk of the bankruptcy

 

 

 

 

 

 

 

 

 

 

court.)

x

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

c.

Average monthly administrative expense of chapter 13 case

Total: Multiply Lines

 

 

 

 

 

 

 

 

 

 

a and b

 

$

 

 

46

 

Total Deductions for Debt Payment. Enter the total of Lines 42 through 45.

 

 

$

 

 

 

 

 

 

 

 

 

 

 

 

47

Subpart D: Total Deductions from Income

Total of all deductions allowed under § 707(b)(2). Enter the total of Lines 33, 41, and 46.

$

 

 

 

Part VI. DETERMINATION OF § 707(b)(2) PRESUMPTION

 

 

 

 

 

 

 

48

 

Enter the amount from Line 18 (Current monthly income for § 707(b)(2))

$

 

 

 

 

 

 

49

 

Enter the amount from Line 47 (Total of all deductions allowed under § 707(b)(2))

$

 

 

 

 

 

 

50

 

Monthly disposable income under § 707(b)(2). Subtract Line 49 from Line 48 and enter the result

$

 

 

 

 

 

 

 

 

 

51

 

60-month disposable income under § 707(b)(2). Multiply the amount in Line 50 by the number 60 and

 

 

 

enter the result.

$

 

 

 

 

 

 

 

 

 

 

 

Initial presumption determination. Check the applicable box and proceed as directed.

 

 

 

 

The amount on Line 51 is less than $7,475*. Check the box for “The presumption does not arise” at the top of page 1

 

 

 

of this statement, and complete the verification in Part VIII. Do not complete the remainder of Part VI.

 

 

52

 

The amount set forth on Line 51 is more than $12,475*. Check the box for “The presumption arises” at the top of

 

 

 

page 1 of this statement, and complete the verification in Part VIII. You may also complete Part VII. Do not complete

 

 

 

the remainder of Part VI.

 

 

 

 

The amount on Line 51 is at least $7,475*, but not more than $12,475*. Complete the remainder of Part VI (Lines

 

 

 

53 through 55).

 

 

 

 

 

 

53

 

Enter the amount of your total non-priority unsecured debt

$

 

 

 

 

 

54Threshold debt payment amount. Multiply the amount in Line 53 by the number 0.25 and enter the result. $ Secondary presumption determination. Check the applicable box and proceed as directed.

 

 

The amount on Line 51 is less than the amount on Line 54. Check the box for “The presumption does not arise” at

 

 

the top of page 1 of this statement, and complete the verification in Part VIII.

 

55

 

 

 

 

The amount on Line 51 is equal to or greater than the amount on Line 54. Check the box for “The presumption

 

 

 

 

arises” at the top of page 1 of this statement, and complete the verification in Part VIII. You may also complete Part

 

 

VII.

 

 

 

 

 

Part VII: ADDITIONAL EXPENSE CLAIMS

 

 

 

56

Other Expenses. List and describe any monthly expenses, not otherwise stated in this form, that are required for the health and welfare of you and your family and that you contend should be an additional deduction from your current monthly income under § 707(b)(2)(A)(ii)(I). If necessary, list additional sources on a separate page. All figures should reflect your average monthly expense for each item. Total the expenses.

 

Expense Description

Monthly Amount

a.

 

$

b.

 

$

c.

 

$

 

Total: Add Lines a, b and c

$

 

 

 

*Amounts are subject to adjustment on 4/01/16, and every three years thereafter with respect to cases commenced on or after the date of adjustment.

B 22A (Official Form 22A) (Chapter 7) (04/13)

9

Part VIII: VERIFICATION

57

I declare under penalty of perjury that the information provided in this statement is true and correct. (If this is a joint case, both debtors must sign.)

Date: ________________________

Signature: ________________________

 

(Debtor)

Date: ________________________

Signature: ________________________

 

(Joint Debtor, if any)

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In order to finalize this PDF form, make sure that you type in the required details in every blank field:

1. First of all, when filling in the form chapter 7, beging with the page that includes the subsequent fields:

Tips to complete bankruptcy form b22a part 1

2. The next part is to submit the next few blanks: Nonconsumer Debtors If your debts, Declaration of nonconsumer debts, Reservists and National Guard, Declaration of Reservists and, below I declare that I am eligible, I was called to active duty after, I remain on active duty or I was, a this bankruptcy case was filed, I am performing homeland defense, and b which is less than days before.

bankruptcy form b22a completion process clarified (part 2)

3. The following segment is about Maritalfiling status Check the box, Unmarried Complete only Column A, Married not filing jointly with, Married not filing jointly without, Married filing jointly Complete, All figures must reflect average, Column A, Column B, Debtors Income, Spouses Income, Gross wages salary tips bonuses, Income from the operation of a, Gross receipts Ordinary and, and Subtract Line b from Line a - complete all of these empty form fields.

How to fill in bankruptcy form b22a part 3

Many people frequently make some errors while completing Column B in this area. Be certain to reread what you enter here.

4. The form's fourth subsection arrives with all of the following form blanks to fill out: Income from the operation of a, Gross receipts Ordinary and, Subtract Line b from Line a, Rent and other real property, Gross receipts Ordinary and, Subtract Line b from Line a, Interest dividends and royalties, Any amounts paid by another person, and Unemployment compensation Enter.

bankruptcy form b22a completion process shown (portion 4)

5. Since you come close to the final sections of this form, you will find just a few more requirements that must be satisfied. In particular, Unemployment compensation claimed, Debtor, and Spouse should be filled out.

bankruptcy form b22a completion process described (portion 5)

Step 3: Prior to obtaining the next step, ensure that all blanks are filled in the proper way. When you are satisfied with it, click on “Done." Join FormsPal now and easily get form chapter 7, set for download. Each and every change made is conveniently preserved , so that you can edit the file at a later time when necessary. If you use FormsPal, you can complete forms without worrying about data leaks or entries getting shared. Our secure software makes sure that your personal details are stored safely.

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