The Bankruptcy Means Test 180-Day Rule: Why Filing at the Wrong Time Gets You Denied
Timing can cost you your Chapter 7. I explain the bankruptcy means test 180-day rule and the 180-day look back, how Current Monthly Income or CMI averages your last six months, and why filing right after a layoff can get you denied. Step by step math, a worked example, a free means test tool, and timing tips from my debt work since 1994.