My gross adjusted income was 88,000. I have 3 children and take care of my 2 in-laws. I have unsecured debt of about $150,000. My bills are current only because I move money around to make all the payments but no matter how much I work and overtime I put in, the debt keeps climbing.
84,000 is the median income. You will need to successfully complete the means test. You should hire a bankruptcy lawyer to handle for you bc as close as you are with your income, you want it done right.
There is not a direct answer on that. For a household 6 the income is median income is $84,541. If you are above that income (which you are) you are subject to (you must take and pass) the means test to file Chapter 7. We could run the means test calculation and see of you passed (Ch 7) or failed (Ch 13). Also, people think filing Chapter 7 is cheaper, that is not always true. When filing Chapter 13, you do not have to pay back your unsecured debt, unless you have income or exemption issues and sometimes you get to cramdown your secured debts in a Chapter 13. Here are some links to the forms about the means test.
https://www.uscourts.gov/forms/means-test-forms/chapter-7-statement-your-current-monthly-income
https://www.uscourts.gov/forms/means-test-forms/chapter-7-means-test-calculation
