MasConcepts Incorporated

I appreciate and am very grateful for all of the posts on this board – both from professionals as well as from others who can share my struggles. I will be filing Chapter 7 in March – so the look-back period for income/means test/and bank statements will be from September 1, 2025 to February 28, 2026. In this time, I have approximately $10,000 in gambling winnings that I ended of losing (I have win/loss statements to prove it) as well as 5 payday loan deposits where I have taken out payday loans during this 6 months, and then paid them off, and later took another, etc., to pay my debts. The questions I have is: the gambling deposits from winnings as well as the payday loan deposits that appear on my bank statement will be counted as income, correct? If I didn’t have these, my annual income would only be approximately $50,000 and the Ohio threshold for a single person is about $65,000.

I do pay 500 a month on a car, 1000 a month for food and rent, and after I file my 2024 taxes (I never filed) and my 2025 taxes, I will owe about $6,000 in Federal Taxes. These I think can be applied against the disposable income for the Means Test. I am really confused and I hope I have not confused anyone on this board. Can anyone make sense of what I have written and give me any advice? LOL. Thank you! I know this board is not legal advice, but simply asking any insights…