Relationship between Form B22C and Schedules I & J?

[Contemplating]

Here's another area I'm a little confused on -

From what I've been reading, your budget and the amount of plan payments is determined primarily by form B22C.

However, I'm wondering what the scenario is if, for instance, your mortgage is considerably over the "local standards" for housing expenses. Are you forced to sell your house in a short sale or allow the foreclosure to take place first and then attempt to list any deficit amount as an unsecured creditor or how would this work?

And then what are Schedule I & J used for? Seems like those go into the kind of detail you would actually need to describe out your current situation.

[optimistic1]

Not sure about exceeding the housing standard, if it exceeds it, then you enter what the payment is on the means test, it calculates in the overage in determining your disposable income.

That might be a good assumption, that the court would say, let it go. If for instance the allowance is $1000, and your payment is something like $2400.

But I dont know for sure.

From what I understand, Schedule I and J, are looked at closely by the courts, some people pass the means test, but then when they fill out I and J, the court sees that they actually have disposable income. Then they force them to file a Chapter 13.

So, from what I understand, your schedule I and J, should determine your plan payment.