Some info on the bankruptcies:
First Chapter 7 filing: 5/5/92
Second Chapter 7 filing: 8/31/11
On the second filing:
Monthly Income: $7,885.57
Monthly Expenses: $8,938.00
Statement of Financial Affairs:
2011 Income (as of 8/31/11) from Davids employer: $80,955.62
2011 Income (as of 8/31/11) from Quicksilver Royalties: $1,156.00 (Royalties ended on March 2011)
2010 Income from Davids employer: $181,850.00
2010 Income from Quicksilver Royalties: $10,637.00
2010 Income from Lousies employer (no name of employer given): $10,000.00
2009 Income from Davids employer: $109,402.00
They signed a Reaffirmation Agreement on their 2010 Mustang (orig price $23,518.00) on 11/11/11 and stated:
Current monthly income: $7,307.65 reasons for decrease: No longer receiving any royalty income from Quicksilver.
Current monthly expenditures:
$6,880.00 reasons for decrease: We started using coupons and being more conservative in our spending & better coverage on medical insurance and better rate on auto insurance.
https://www.scribd.com/document/369227308/turpin-bankruptcy
IMO, it looks like an overstatement of their expenses in August in order to meet the means testing for bankruptcy, and then suddenly, in November, they are spending $2100 less a month to prove to Ford Motor Credit that they can afford the Mustang.
Their next opportunity to file again, will be on 8/31/2018.