Form 122c 2 2025

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The document is the Official Form 122C-2, used in Chapter 13 bankruptcy cases to calculate a debtor's disposable income. It requires detailed information about debtors' personal details, income, and various allowable expense deductions based on IRS National and Local Standards. The form guides users through calculating their monthly expenses related to housing, transportation, healthcare, and other necessary costs to determine their disposable income for repayment plans.

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How do I calculate my Chapter 13 payment?

To calculate your monthly payment amount in a Chapter 13 bankruptcy, calculate your income for the six months before your bankruptcy filing. Deduct allowable expenses to determine your disposable income. Pay your priority debtors and any secured debts that you want to keep after the bankruptcy.

How much is a typical Chapter 13 payment?

A Chapter 13 petition for bankruptcy will likely necessitate a $500 to $600 monthly payment, especially for debtors paying at least one automobile through the payment plan. However, since the bankruptcy court will consider a large number of factors, this estimate could vary greatly.

Do you have to pay unsecured debt in Chapter 13?

What is Disposable Personal Income? After-tax income. The amount that U.S. residents have left to spend or save after paying taxes is important not just to individuals but to the whole economy. The formula is simple: personal income minus personal current taxes.

How much would my Chapter 13 payment be?

The chapter 13 disposable income test is the courts way of ensuring that all your disposable income is going towards repaying your debts during your repayment period.

Why is my Chapter 13 payment so high?

As of Mar 14, 2025, the average hourly pay for a Chapter 13 Trustee in the United States is $19.95 an hour.