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Notes The "current monthly income" received by the debtor is a defined term in the Bankruptcy Code and means the average monthly income received over the six calendar months before commencement of the bankruptcy case, including regular contributions to household expenses from nondebtors and including income from the debtor's spouse if the petition is a joint .

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Oct 08,  · For example, bankruptcy filers need to complete credit counseling and meet certain income guidelines before being able to move forward with the process. The two common types of individual bankruptcies are Chapter 7 and Chapter Chapter 7 bankruptcy involves wiping out various unsecured debts, such as credit card bills, within several months.