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If earnings available for debt repayment over that 5-year period is $10,000 or more, then Chapter 13 end up being required. Some other words, anyone earning above the state median, and with at least $166.67 each of available income, will automatically be denied Chapter 7. So for example, if a legal court determines that you'll have $200 per month income above living expenses, $200 times 60 is $12,000. Since $12,000 is above $10,000, you're saddled with Chapter 12.

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