Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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100% plan take all disposible income?

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  • 100% plan take all disposible income?

    Will a 100% ch 13 take all disposible income or will it be divided by the 60 months?? We are above median. Thanks!

  • #2
    Hi...i know that cases can vary, but in our case the payment was based on the total amount owed divided by 60. We did not have to contribute all disposable income.
    I take it your thinking about filing? Good luck with your decision.
    Filed Chapter 13 - 07/20/12
    Discharged 8/2/16


    • #3
      Thank you! I am hopeful that is how our plan will be set up as well. We have a cosultation with a BK lawyer Saturday. Debt (all cc and a personal loan) divided by 60. I need peace. I can not keep this up - I get no where paying minimums and can't even keep up with those at this point. Thanks again!

      Oh - wondering as well how many creditors do not actually respond? Those debts do not need to be paid, even in a 100% plan, correct?


      • #4
        No problem. You are making a good move to getting your life back, good luck on Saturday! It's hard to say if all your creditors will file or not, you just have to wait and see. However, in
        our case, Chase did not file and are total debt went by by 20,000. It doesn't matter which plan you're in, if the creditor doesn't file a claim you don't pay it (for unsecured debts)
        Filed Chapter 13 - 07/20/12
        Discharged 8/2/16


        • #5
          Thank you so much! I have so many questions and waiting until Saturday is hard! I can't wait to breathe. How long from your first meeting with the lawyer was it until you made a plan payment? Sorry to keep asking questions! I appreciate your help!


          • #6
            Hi...I don't mind at all. We filed on July 20/12 and our first payment was made in August. The plan was actually confirmed in September. It went smoothly. If you haven't done so already, your attorney will advise you to stop paying those unsecured bills so you can have some savings. Please ask any questions you want, we all want to help you and see you be successful!
            Filed Chapter 13 - 07/20/12
            Discharged 8/2/16


            • #7
              Thank you! I am very hopeful that we can take what is owed 100% and divide by 60! That will leave us with money to survive on and the ability to save. We are getting no where and drowning with interest and minimum payments on WAY too many cards. I am ready for a fresh start and to be smart!


              • #8
                Good're heading in the right direction..FREEDOM!
                Filed Chapter 13 - 07/20/12
                Discharged 8/2/16


                • #9
                  Thank you for being so helpful and kind! Freedom is what I need. I can't live like this any longer!


                  • #10
                    Also, if you have credit cards and/or loans to the bank where you keep your primary checking and savings, it is a good idea to move it to a bank or credit union where you don't owe money. A good number of banks and credit unions tends to freeze your savings and checking account after the filing. Banks are not suppose to freeze your account, but they do nevertheless. I have to delay filing until my direct deposit was setup properly.

                    Wishing you the best of luck and peace. It will be over before you know it.


                    • #11
                      Thank you! All set there. Don't owe any to bank we have checking and savings with. Phew!


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