1. DOCUMENTATION OF INCOME FOR WAGES: PAY STUBS
IT IS IMPERATIVE to provide to attorney ALL the CORRECT pay stubs. Bankruptcy rules are very specific about how the Current Monthly Income is calculated. Since ability or inability to repay debt depends on earned income, providing only debt information to attorney will not assist attorney in evaluating the case. Sending some or incorrect pay stubs also may not be helpful.
Avoid Common Mistakes: PAY PERIOD IS NOT RELEVANT. Look at CHECK ISSUE DATE or CHECK PAYMENT DATE to find the appropriate pay stub(s). If you have multiple sources of wages, be sure to include all sources. Include spouse wages, even if spouse not filing.
If you cannot find your pay stubs or obtain prints online, ask your employer to provide you with duplicates (might be best to ask for all six month's worth to avoid having to ask for any other stubs that may be needed if your case is not filed in a different month).
which MONTH YOU INTEND TO FILE? |
if CHECKS SHOW YEAR TO DATE INFORMATION (GROSS WAGES, DEDUCTIONS: HEALTH, UNION DUES, TAXES, ETC) |
CHECKS DO NOT SHOW YEAR TO DATE INFORMATION |
MAY |
1) Last check paid in DECEMBER 2) Last check paid in october 3) Last check paid in APRIL |
ALL CHECKS paid NOVEMBER - APRIL |
|---|---|---|
JUNE |
1) Last check paid in DECEMBER 2) Last check paid in NOVEMBER 3) Last check paid in MAY |
ALL CHECKS paid DECEMBER - MAY |
JULY |
1) Last check paid in JUNE
|
ALL CHECKS paid JANUARY - JUNE |
AUGUST |
1) Last check paid in JANUARY 2) Last check paid in JULY |
ALL CHECKS paid FEBRUARY -JULY |
SEPTEMBER |
1) Last check paid in FEBRUARY 2) Last check paid in AUGUST |
ALL CHECKS paid MARCH-AUGUST |
OCTOBER |
1) Last check paid in MARCH 2) Last check paid in SEPTEMBER |
ALL CHECKS paid APRIL-SEPTEMBER |
NOVEMBER |
1) Last check paid in APRIL 2) Last check paid in OCTOBER |
ALL CHECKS paid MAY-OCTOBER |
DECEMBER |
1) Last check paid in MAY 2) Last check paid in NOVEMBER |
ALL CHECKS paid JUNE-NOVEMBER |
JANUARY |
1) Last check paid in DECEMBER 2) Last check paid in JUNE |
ALL CHECKS paid JULY - DECEMBER |
FEBRUARY |
1) Last check paid in DECEMBER 2) Last check paid in JULY 3) Last check paid in JANUARY |
ALL CHECKS paid AUGUST - JANUARY |
MARCH |
1) Last check paid in DECEMBER 2) Last check paid in AUGUST 3) Last check paid in FEBRUARY |
ALL CHECKS paid SEPTEMBER - FEBRUARY |
APRIL |
1) Last check paid in DECEMBER 2) Last check paid in SEPTEMBER 3) Last check paid in MARCH |
ALL CHECKS paid OCTOBER - MARCH |
DONE WITH WAGES? - CONTINUE TO OTHER SOURCES OF INCOME
