Chapter 13 Plan

[thomasj]

Hey to all thanks for all the help..I have one question. I recvd my Chapter 13 Plan today and my attorney has me at an Average of Income, for the last 60 days $5193.00 per month? Ouch!!!

What should I do, my company has cut costs. I've lost my SHiftDif extra 600.00 Per month and OT 5-10 hours per check. This started Feb 1. Plus I also had 3 pay checks. What can I do? Ive explained to the attorney but she is like Im going by what you made in previous months. My 341 meeting is in 2 weeks.

Also she said i need to get my tax returns done she estimated me owning 5g's but i just got them done and i only owe Fed 1400 getting back 2400 on state. How bad is that going to affect me?
She quoted me but not confirmed $480.00 per month.

Has anyone used Legal Helpers thats who i have?

[brokeNconfused]

how many people in your family? what were you at the end of your means test? in the negative?

[thomasj]

I am the only one in my family. I think i am going to just talk to the Atty and see if there is something we can do. Im just trying to get the lowest payment possible.

[Flamingo]

Hey to all thanks for all the help..I have one question. I recvd my Chapter 13 Plan today and my attorney has me at an Average of Income, for the last 60 days $5193.00 per month? Ouch!!!

What should I do, my company has cut costs. I've lost my SHiftDif extra 600.00 Per month and OT 5-10 hours per check. This started Feb 1. Plus I also had 3 pay checks. What can I do? Ive explained to the attorney but she is like Im going by what you made in previous months. My 341 meeting is in 2 weeks.

Also she said i need to get my tax returns done she estimated me owning 5g's but i just got them done and i only owe Fed 1400 getting back 2400 on state. How bad is that going to affect me?
She quoted me but not confirmed $480.00 per month.

Has anyone used Legal Helpers thats who i have?

Get your tax returns done and find out if your federal taxes can be put into your plan or if they can be paid from your state refund. Since your income has changed since the time you filled out your paperwork, your attorney can modify your plan. If those changes occurred when you had already filled out your paperwork, that is what your Plan is based on. Chapter 13s are not a walk in the park and will require you to do a lot of lifestyle adjustments from now through the entire course of your Plan. There is nothing you can do if you provided all the correct information to your attorney as to your income and outgo, assets, etc. or you don't have to file. The filing will give you a new start but you have to realize it will not be easy, especially in this economy. Unless one's name is Hilton, we are all feeling in in one way or another. Best of luck to you and remember there IS light at the end of the tunnel. Just remember that.