The above chart includes clickable links to for:

• Requirements to Start a bankruptcy and the effect of a prior bankruptcy - when the Automatic Stay applies, when it is terminated, effect of a case terminated within the last 180 days, when a discharge will not be granted, and when a discharge might not be the objective.
• Credit Counseling Agency Briefing - Contents of the briefing, when the briefing is not required, when it may be waived temporarily, requirements for credit counseling agencies.
• Current Monthly Income - Definition, 6 month period for determination, exclusions from income, spouse's income in non-joint cases, self employed debtors.
• Median Income in the state - Comparing debtor's income to the state median, calculation based on number in household. Census Bureau data links, who is in a household.
• Expenses - Needs based bankruptcy; IRS National Expense Categories for apparel and services, food, housekeeping supplies, & miscellaneous categories; IRS local standards for utilities, housing and transportation; IRS other necessary expenses for accounting and legal fees, charitable contributions, child care, court ordered payments, education, health care, life insurance, taxes, family safety expenses; care of elderly, ill or disabled member of household; Chapter 13 Trustee's fee; school expenses; payment on secured debts; payment on home, vehicle and other property; priority claims.
• Financial Management Course - When required, who gives it, description and cost.
• Discharge under Chapter 7 and 13 - Requirements for discharge, debts discharged, debts not discharged.