When individuals file for bankruptcy, bankruptcy courts will determine their ability to repay debts based on their past income. This calculation will often use individuals' average incomes over the past six months.

Some filers complain that this method is unfair because many individuals file for bankruptcy after they lose a job. Based on this reasoning, they no longer have the same income to repay their debts. 

If you or anyone you know has questions about a bankruptcy filing, contact the Arizona personal bankruptcy attorneys of the Harmon Law Office at 480-829-0494.