If bankruptcy client is not liable for the mortgage but is living in the house, I don’t think there’s anything wrong with including only the actual the regular cash assistance bankruptcy client receives from her mom as bankruptcy client’s means test income, unless the established practice in your district or division requires that you disclose mooching off a partner/roommate as “income” in this kind of situation. There are two ways of conceptualizing this. If it’s “heads on beds” then include all the money (other than social security) that comes into the house, base the household size on the number of all occupants, and deduct all expenses being paid by everyone in the house, including the full mortgage payment for which the debtor is not liable. Sometimes that’s the way to do it, as when the debtor and the non-debtor are a heterosexual married couple who co-mingle whatever income they have and have joint debts and joint property.
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