In short
Form 122C-2 is the Chapter 13 counterpart of the Chapter 7 means test calculation. It takes the income from Form 122C-1 and subtracts allowed expenses, most of them IRS standard amounts, to reach monthly disposable income.
In Chapter 13 that figure isn’t a pass-or-fail test. It’s the amount the Bankruptcy Code expects an above-median filer to commit to unsecured creditors through the plan.
Who files it
Only a Chapter 13 debtor whose income on Form 122C-1 is above the state median. Below the median, this form isn’t filed.
What it asks
Part 1: Calculate Your Deductions from Your Income
IRS National and Local Standards for living expenses, other necessary expenses, additional deductions the Code allows, and payments on secured and priority debts.
Part 2: Determine Your Disposable Income Under 11 U.S.C. § 1325(b)(2)
Income less the deductions, with adjustments for things like child support received and qualified retirement contributions.
Part 3: Change in Income or Expenses
Any change that has already happened, or is virtually certain to, after the six-month period the form looks at.
Part 4: Sign Below
A signature under penalty of perjury.
When it’s filed
It’s filed with the petition, or within 14 days after it. That’s the deadline Bankruptcy Rule 1007(c) sets for the schedules and statements.
Related forms
- Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period (Official Form 122C-1)
- Chapter 13 Plan (Official Form 113)
- Schedule J: Your Expenses (Official Form 106J)
The official form
Official Form 122C-2 is 8 pages long and is used in Chapter 13 only cases. This guide describes the 04/25 revision, the date printed beside the form’s title. The federal courts publish the form and replace it when it changes, so their page always has the current one.
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