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000 bracket avera average amount average incomes average total incomes average unsecured reporting bankruptcy filings bankrupts BLS Higher Living BLS Lower Living business related filings business-related filings calculations calendar car ownership collateral Connecticut credit card issuers credit union loans debtors who scheduled decrease dollars entire sample exemption laws federal exemption federal homestead exemption filers gross assets Higher Living Budget homes incomes increased Intermediate Living Budget Joint All Personal joint petitions known incomes less licensed lenders Lower Living Budget Male Female Joint market value median family income medical debt mortgage debt national median family negative equity Non-Mortgage opted outlyer payments percent Personal Business Poverty Threshold priority claims priority debts purchasing power reported total incomes revolving credit sample of 753 sample of debtors Sec'd second mortgages secured credit spillover student loans subset summarized in Table supra note TABLE H tax claims total unsecured debt unsecured creditors zero incomes