So we are thinking of filing soon and just had the means test completed because my income is kind of on the edge. The issue is I have rsu's from work they are technically like income but it's stock that vests over a period of time and when you sell them you convert them to cash.
The legal Assistant completed the means test and sent it over I'm sure we'll talk to the lawyer next week but I wanted to see if anybody had any insight.
The way I read it shows we do have disposable income of 384.50/month. Not sure if that means Chapter 13.
As far as RSU income of the amount she calculated $9545.49 (1590.91 monthly) is not guaranteed income. It fluctuates based on RSU stock vests as long as I am with the company and the value is based on the stock price at the time which is currently up but does fluctuate.
Based on the value today I will only receive $14,302.89 (partial increments in May, Aug & Nov 2025) and $4540,60 in February 2026. That is all that I currently own so that would not be the income over the next 60 months. I could potentially get more but won't know until later next year.
I am not sure once they do the means test for the presumption is the disposable income what they use for a chapter 13?
I'm not saying I'm opposed to paying $384 a month but technically after that amount above I'm not guaranteed to have anymore. Granted right now the stock is up a lot but it has fluctuated and could drop back down.
