Our Metro Detroit bankruptcy attorneys filed a Chapter 7 bankruptcy for an individual who resides in Southfield, MI. He and his wife are separated and although she has a substantial income, it was not included in calculating the means test even though they still reside in the same household. He had a house with a mortgage of approximately $170,0000 and the house is worth approximately $60,000. He will surrender the house but can reside in it for approximately 1 year under the Michigan foreclosure process. He has pension of approximately $3,000 per month and passes the means test despite the fact that he had additional income from a part-time job. He has approximately $24,000 in debts which will be discharged. He has 3 vehicles which he will be able to retain under Federal exemptions. He has approximately $24,000 in an IRA which he also will be able to keep.