With smart timing you can take advantage of the unusual way that your “income” is calculated for the Chapter 7 means test.
You can have more income for the purpose of passing the means test as your household size increases. But what IS your household’s size?
You have to pass the means test to qualify for a Chapter 7 case. It’s often an easy test to pass but one with some crucial twists and turns.
Soon families of larger than 4 people can have a bit more income and qualify for a 3-year Chapter 13 payment plan instead of a 5-year one.