Can anyone tell me what the trustee means by this objection to my confirmation?

[busbis]

The trustee objected to the confirmation and it states:
Pursuant to the disposable inocme calculation on Form B22C, the unsecured pool in the chp 13 plan is less than that required by 11 usc 1325 b 1 B.

[busbis]

anyone please?

[diviaruba]

[busbis]

I am paying $1700 currently under my plan. Line 59 shows a postive of $3200, however my husband works in sales and we are getting eatin up with gas, we pay for cell phone for his business, I'm still paying elec bills/insurance for the property I've surrendered because I was told I needed to until the property was foreclosed on. It is in process now, but there is no way I will be able to pay what the B22C form states. My attorney amended this without my knowledge. I happened to see it on Pacer.

Right know My unsecured debts total $24,900, and secured debts show $721,000, which $520,000 is 2 properties I am surrendering and $192,000 is my primary home, $4200 is my vehicle and $4,800 is the arrearage on one of the properties I am surrendering.

I actually had to borrow money from my kids piggy bank this morning to deposit. We are eating alot of rice and beans, not going out, no shopping, its the gas that is killing us. I don't know what to do.

I am at 100% payback.

[SANRA308]

if line 59 states you have 3200 disposable income and you are paying only 1700 thats why the trustee is objecting he/she thinks you have another 1500 you can pay. what are you paying for in the plan? the 24,900, the 4200 nad the 4800, is your house outside the plan. becuase if thats it, 1700 a month would have you paid in like 20 months?

[busbis]

My primary is paid outside the plan, but the mtg company still filed a secured claim in the amount of my mtg balance.

With what I'm currently paying, the plan would be paid out in about 20 months. If I increase to what the trustee wants me to pay then it would only be 10 months. Would they go for that if I'm paying back at 100%?

I haven't spoken to my atty yet, but it has me a little freaked out. I've already made 4 payments to my plan. Do you think the trustee would accept if I provide proof of all receipts to gas charges or what do I need to do know to make sure my plan gets approved?

[MajorMike]

May I ask why you're filing with so little debt in the first place?

[diviaruba]

May I ask why you're filing with so little debt in the first place?

I would guess, in all likelihood, to avoid the deficiencies on the two surrendered properties.

[busbis]

Because of the surrendered properties. The amount of unsecured showing so far are only the creditors that filed the claim. My HOA did not file a claim for the arrearage of $15,000 which $13,000 of that is an assessment. I didn't see any other alternative to file for chp 13