You report reality. You have two jobs - you report two jobs. If each job pays $100,000 per year, there may be problems. If each pays minimum wage, there should be no job related issues.

Answer Applies to: Michigan
Replied: 8/28/2011

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Maybe. It depends upon how much money you make at the jobs and whether you satisfy the means test. I am happy to discuss these issues with you. Please call to schedule a free consultation.

Answer Applies to: Georgia
Replied: 8/25/2011

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You need to report all sources of income in a bankruptcy filing. You don't need to be broke to file for bankruptcy. Many filers have two jobs and still can't make ends meet. What you file depends on how much you make. Income amounts are calculated against the Means Test, which says what type of bankruptcy must be filed - a 7 or a 13 (where some money is paid to creditors). This is a multi-part test that can be tricky to figure out.

Answer Applies to: New Jersey
Replied: 8/23/2011

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Yes, your income from both jobs need to be scheduled.

Answer Applies to: Washington
Replied: 8/22/2011

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Bankruptcy is based on family size and income. If you are struggling to pay your bills with two jobs, then most likely you can keep both jobs and still file for bankruptcy.

Answer Applies to: Colorado
Replied: 8/21/2011

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If you are struggling, it doesn't matter how much you're working, bankruptcy may be a solution.

Answer Applies to: Indiana
Replied: 8/19/2011

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Without question..yes.

Answer Applies to: Maryland
Replied: 8/19/2011

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Yes you can file for bankruptcy if you have two jobs and you have to report all of your income from wages and otherwise. In order to qualify for a Chapter 7 bankruptcy you need to pass a "means test" which determines if you make too much to qualify or not. If you do not qualify, Chapter 13 bankruptcy might still be an option for you. Speak with an attorney for more information.

Answer Applies to: California
Replied: 8/19/2011

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When you file bankruptcy you are required to list all assets, debts, income and expenses.

Answer Applies to: California
Replied: 8/19/2011

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Having two jobs or even 3 will not bar you from either a Chapter 7 or a Chapter 13 Bankruptcy. However, if you make too much money overall, you may flunk the "means test" for a Chapter 7. Then you are left with a Chapter 13 as your only option in Bankruptcy Court. Good luck.

Answer Applies to: Ohio
Replied: 8/19/2011

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Yes, you must report both jobs. Whether your Chapter 7 eligibility is affected depends on your total income related to the median income for your state.

Answer Applies to: Mississippi
Replied: 8/19/2011

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You do not need to be unemployed or barely employed to file bankruptcy. Income is an issue where you make too much to qualify to file a Chapter 7.

Answer Applies to: California
Replied: 8/19/2011

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Yes you do have to include both. Anybody can file for bankruptcy, even people who make 6 or 7 digits. The question is, which chapter of bankruptcy would you qualify for. You qualify for chapter 7 automatically if you make less than the median household of your state. For a family of 1 the median household income is roughly $42,000. If you make more, you'll have to calculate your disposable income - average income of the last 6 months minus monthly expenses allowed (for the list of parameters, visit the IRS website). If your disposable income is less than $120, you qualify, if it's over $190, you have to file for chapter 13. If it's between 120 and 190, multiple the number by 60. If the result is over 25% of all of your unsecured debts, you have to file chapter 13. There are other determinations of which bankruptcy fits you the best, for example the amount of your assets and whether you're trying to save your home, whether you're behind in your mortgage, etc. You really should talk to an attorney if you're not sure what to do.

Answer Applies to: Florida
Replied: 8/19/2011

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It is not uncommon for debtors with two jobs to file for bankruptcy, and you do have to report the income for both jobs. Your gross income can cause difficulties when it exceeds the Colorado median family income of a family of your size.

Answer Applies to: Colorado
Replied: 8/19/2011

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It does not matter how many jobs you have. What matters is the income you earn in order to qualify for bankruptcy. Yes, you would have to disclose both jobs and you have to qualify for bankruptcy based on all sources of income. If you qualify even though you have two jobs then you can still file the case.

Answer Applies to: California
Replied: 8/19/2011

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If you are at or below the income filing limits for bankruptcy, then yes. You are required to report all income from any source when filing for bankruptcy.

Answer Applies to: California
Replied: 8/19/2011

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You can be working two jobs and still file for bankruptcy. The number of jobs you are working does not have an impact on whether or not you can qualify and file for a ch. 7. The question is "how much are you earning?" There are income cut offs for filing for a chapter 7 bankruptcy and therefore you would have to make sure that your gross monthly earnings for the last 6 months fall within those guidelines. Otherwise, if they don't, you may still be able to qualify for a ch. 7 if you can pass the means test analysis. If you cannot pass the means test and qualify for a ch. 7, then you may be able to file a ch. 13, which is a repayment plan. I would recommend speaking with an attorney to discuss your situation and if you can qualify for a ch. 7 given the income for your two jobs.

Answer Applies to: California
Replied: 8/19/2011

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It won't matter if you have five jobs, as long as your income and expenses are relatively equal, or upside down (as in your living expenses exceed your net income). The only way you'll have a problem is if the net take-home income exceeds your living expenses - then the Court will say hey wait a minute, there is extra income here every month, you could be paying your debts. Hope that answers your question.

Answer Applies to: California
Replied: 8/19/2011

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You must report all income you have received in the last six months, as well as provide a copy of your most recent federal and state tax returns. Your issue is the Means Test. In order to qualify for a Chapter 7 bankruptcy your income must be below the median income of a household of your size. It gets very complicated. A bankruptcy attorney will have the means to determine if you qualify. If you are over the applicable income you can file a Chapter 13 bankruptcy. DANGER: Don't even think of not reporting your second income. Failure to fully disclose your income, assets and debts is a federal crime and could lead to your case being dismissed without a discharge of debts.

Answer Applies to: Colorado
Replied: 8/19/2011

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Having two jobs will not bar you from filing bankruptcy. You will have to disclose all income on your petition. If, even with two jobs, you still show no disposable income, and you meet the other requirements, a discharge should be entered.

Answer Applies to: Florida
Replied: 8/19/2011

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The number of jobs you have at the time of filing is irrelevant. What matters is your combined household income the six months prior to the filing of the bankruptcy. The income for this time period is averaged and put used in the "means" test to see if you meet the income requirements for a Chapter 7 or if you must file a Chapter 13. It also determines if you file a Chapter 13 the length of the plan payments i.e. 36 or 60 months.

Answer Applies to: Oregon
Replied: 8/19/2011

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Yes as long as you can qualify under the income based means test.

Answer Applies to: California
Replied: 8/19/2011

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It doesn't matter how many jobs you have, but you must report all your income.

Answer Applies to: California
Replied: 8/19/2011

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You have to report all income, all property and all debts. Whether or not having too much income, no matter how many jobs you have, will disqualify you from being able to file a Chapter 7 case is something you need an attorney to determine after doing the "means test" calculations unless your income is below an amount established by the government called the median income for your area of the country depending on the number of your dependents.

Answer Applies to: California
Replied: 8/19/2011

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Many people work multiple jobs to try to pay their bills. You are to be commended for making your best efforts to pay your bills without having to file for bankruptcy. Even though you have tried to avoid filing, it sounds like you really need to file a case. You have to list both jobs and the income from both jobs. That should not have any negative impact on your filing unless you are earning too much money for a household of your size and location. Set up an appointment with a bankruptcy lawyer. Most offer free consultations. They can help you determine which type of bankruptcy is needed in your case.

Answer Applies to: Alabama
Replied: 8/19/2011

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The failure to report both jobs is perjury. You will serve five years in federal prison, can be fined $250,000 and will not get a discharge. The number of jobs you work has nothing to do with filing. The amount of income does. Discuss this with your lawyer, and abandon your plan to commit perjury.

Answer Applies to: Georgia
Replied: 8/19/2011

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Yes, you can file with two jobs. The question is what type bankruptcy do you qualify for.

Answer Applies to: Nevada
Replied: 8/19/2011

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It's not the number of jobs it's the total gross income. Yes you must report all assets and sources of income. Go see a lawyer experienced in bankruptcy.

Answer Applies to: California
Replied: 8/19/2011

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You can always receive a discharge in bankruptcy if you have not filed a prior case within a certain period of time. The only question will be whether you will be able to file, or desire to file, under Chapters 7, 11, 12 or 13. And you must include all income and expenses, as well as declare all your assets and debts. But each case is different and a free consultation with a qualified bankruptcy attorney is an excellent place to start.

Answer Applies to: Ohio
Replied: 8/19/2011

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The requires you report all income earned and received in the last 6 months. Failure to report all of your income is bankruptcy fraud, which is a crime. Why don't you see a lawyer about your eligibility.

Answer Applies to: California
Replied: 8/19/2011

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It would depend on what your income is from the two jobs. If you are below your states median income for your family size then you may still qualify for a ch. 7 bankruptcy, otherwise you will have to file for chapter 13 bankruptcy.

Answer Applies to: Washington
Replied: 8/19/2011

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All income from any source must be disclosed in a bankruptcy petition. Whether you will qualify for filing depends on much or little income is derived from the source.

Answer Applies to: Michigan
Replied: 8/19/2011

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