mortgage is 60% of my takehome

[COrnguy]

will the courts let me still do a 13? I can make it work IF I get a good settlement (10-20%) regarding my creditors. Just gotta keep my place for a few more years anyway.

[lrprn]

will the courts let me still do a 13? I can make it work IF I get a good settlement (10-20%) regarding my creditors. Just gotta keep my place for a few more years anyway.

Your wanting to file Ch 13 has no impact on whether you can or not. What will decide if you can is how your income vs your mandated and real expenses stack up on the required Means Test.

We need more information to help you sort this out. What's your total gross income for the last six months? How many people are living in your house? Do you have other assets (car, etc) that you want to keep? Are you current on your house payments?

And I'm not being judgmental, but how did you end up with a mortgage (mortgages?) that is 60% of your net income? Why do you need to keep this financial sinkhole for a few more years? What's stopping you from walking away from your place now?