Thank you for your question. I am happy to assist you.
There is not a specific number for the negative income but it should not include the credit card debt in the calculation.
A Chapter 7 does not include repayment of unsecured debt in the expenses as it is the intention of the Chpater 7 to discharge the debt.
Your girlfriend can list her expenses to include dental, medical and school/care for her son. If the expenses are one time expenses, she can divide by 12 to show the monthly cost. These are not prospective expenses. These are actual and current expenses that she has not yet been able to pay but are necessary.
I hope that the information which I provided was helpful to you.
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