# Surplus income payments if income is irregular?

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### Surplus income payments if income is irregular?

With irregular income, is each month looked at individually to determine surplus income payments, or is it based only on the 7-month average?

I started my bankruptcy with NO income, then in months 6 and 7, I will have both Increased AND Irregular income.

If I make \$0 for the first 5 months and \$3,062 in each of months 6 and 7, then:

a) Will I be deemed to have \$1,000 surplus income in each of months 6 and 7?
b) Will I, therefore, have to pay 50% of that \$1,000 to the trustee for each of those 2 months?
c) Will I be deemed as having, during my 7 months, a total of \$2,000 surplus income, thus putting me over the \$200 per month allowable surplus income, and thus causing my bankruptcy to be extended by 12 months.

Or will I instead be deemed to have \$0 surplus income.  (2 monthx x \$3,062 = \$6,124 total income over 7 months = less than \$1,000 per month = less than the allowable income threshold of \$2,062 per month)?

I have read about this for many, many hours, but have found a lot of the examples available to use confusing language that leaves the door open to both interpretations, so I would really appreciate it if you were able to help clarify it for me.

Thank you.

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You will have to pay the greater of \$1,800.00 or the surplus income payments calculation.

Since the surplus income requirement is NIL you will have to pay \$1,800.00.

For an example of how the calculation is made please refer to Appendix B, Example 1, at the following link:

http://strategis.ic.gc.ca/eic/site/bsf-osb.nsf/eng/br03249.html

Trustee