Now remember that these numbers can be adjusted by child support payments (received or made), larger mortgages, huge tax debt, etc. It is a gross overgeneralization to say that if you are over that figure then you MUST be a chapter 13, but this is the baseline we start with. That being said, here are the current figures for Salt Lake County that we use on our Form 22C* (6 month average of current monthly income and disposable income):
Married with 1 child: $76,066
Married with 2 children: $83,537
Married with 3 children: $91,937
Married with 4 children: $100,337
(If you can’t see the pattern yet, each child we add bumps up your median income figure by $8,400).
As I said above, being over doesn’t necessary mean that you’ll be in a repayment plan (like a chapter 13), but this gives us a nice baseline.
* (Notice that I called it “Form 22C” . That is because I’m old. The current form is called Form 122A Current Monthly Income and Means Test for Chapter 7 or Form 122B or 122C).