| Household | Annual | Monthly | Ch. 7 | Ch. 13 Length |
|---|---|---|---|---|
| 1 | $60,840 | $5,070 | Auto-qualify below | 3 yr below |
| 2 | $73,826 | $6,152 | Auto-qualify below | 3 yr below |
| 3 | $77,454 | $6,455 | Auto-qualify below | 3 yr below |
| 4 | $94,426 | $7,869 | Auto-qualify below | 3 yr below |
Add $10,300 per additional person.
Average monthly income from 6 calendar months before filing: wages, self-employment, rental, pension, unemployment, child support received, regular household contributions. Social Security excluded from median comparison.
No state income tax: Texas has no state income tax, so only federal taxes are deducted. This can leave more disposable income on the means test.
Median: $60,840 for 1 person. Below = auto-qualify. Above may still qualify after deductions.
No ceiling. Income determines plan length and payment, not eligibility.
Only federal taxes deducted, potentially leaving more disposable income. Texas generous exemptions offset this.
No. Chapter 13 has no income limit. Chapter 11 has no means test.