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  2. Bankruptcy Abuse Prevention and Consumer Protection Act

    en.wikipedia.org/wiki/Bankruptcy_Abuse...

    This creates a means test "safe harbor" for debtors below the state's median income figure. Current monthly income is defined in as the monthly average of the income received by the debtor (and the debtor's spouse in a joint case) during a defined six-month time period prior to the filing of the bankruptcy case. Some narrow classes of payments ...

  3. 9 Free, Easy-To-Use Budget Templates and Spreadsheets - AOL

    www.aol.com/9-free-easy-budget-templates...

    This simple monthly budget template found on TheGoodocs is designed to open in Google Docs and features a budget summary up top that includes total income and expenses, the amount saved, the ...

  4. Ransom v. FIA Card Services, N.A. - Wikipedia

    en.wikipedia.org/wiki/Ransom_v._FIA_Card...

    The means test is a statutory formula that determines how much income the debtor can use for debt repayment, to ensure that debtors pay back as much as feasible. It permits debtors to shield a portion of their income from creditors based on "reasonably necessary" living expenses, which are calculated from claimed allowances for defined living ...

  5. Means test - Wikipedia

    en.wikipedia.org/wiki/Means_test

    The amendments effectively subject most debtors who make an income, as calculated by the Code, above the median income of the debtor's state to an income-based test. [8] This is referred to as the "means test". The means test provides for a finding of abuse if the debtor's income is higher than a specified portion of their debts.

  6. Trailing twelve months - Wikipedia

    en.wikipedia.org/wiki/Trailing_twelve_months

    Trailing twelve months (TTM) is a measurement of a company's financial performance (income and expenses) used in finance.It is measured by using the income statements from a company's reports (such as interim, quarterly or annual reports), to calculate the income for the twelve-month period immediately prior to the date of the report.

  7. What are the monthly payments on a $400,000 mortgage? - AOL

    www.aol.com/finance/400000-mortgage-payment...

    Using the 28% rule, we can calculate the recommended gross monthly income required for a loan of this size. To find this number, divide the monthly mortgage payment by 28% (or 0.28): $2,857 / 0.28 ...

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