How to Pass the Chapter 7 Means Test in Phoenix, AZ in 2026 (Including Overtime and Gig Income)
In Phoenix, you pass the Chapter 7 means test in 2026 if your “current monthly income” (the last 6 months’ average) is at or below the Arizona median for your household size—or, if above, your allowed expenses leave little disposable income. Overtime, bonuses, and gig work can raise that six‑month average even if your pay […]