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What is a 410A form? Mortgage Proof of Claim Attachment (US Bankruptcy Court Official Form 410A) This Official Form 410A must be attached to a proof of claim in an individual debtor's bankruptcy case where the claim is secured by a security interest in the debtor's principal residence.

If the determined monthly income is over $12,475, then you'll very likely have to move forward with another bankruptcy option. Any monthly income between $7,475 and $12,475 will require further calculations to determine eligibility.

VCIS - VCIS is an automated voice response system that allows the caller to obtain information about a bankruptcy case via telephone and free of charge. WebPacer - Web based Public Access to Court Electronic Records (PACER) is an electronic public access service that allows users to obtain case information.

If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and don't have the option of filing Chapter 7.

Each state has a different dollar amount as a threshold for qualifying under the means test. In the State of Alabama: If you are single, live alone, and earn less than $39,768 per year ? you automatically qualify under the means test to file for Chapter 7 bankruptcy protection.

In most cases, individuals or families who file for Chapter 7 bankruptcy can keep their assets, including their cars. Many states, including North and South Carolina, offer exemptions for motor vehicles.