Was Anyone Surprised By Their Monthly Amount

[MajorMike]

Congrats!!!

But why did it go up that high after 2 years of paying and being confirmed???

mine was 980 for two years, then was doubled to 1888 a month for three years, total of 60 months. paid back secured and unsecured at 100%. waiting on discharge papers!!

[CATCHMEIFYOUCAN]

MajorMike, the Median proved I was negative disposable income (-$60). However, schedules I and J showed I had $800 actual disposable income. Testing the "new laws," my lawyer bet on suggesting a "good faith," plan to pay the creditors back $250 a month (because of the Median Test), due to having 2 full time jobs (thats where the income came into play). At $250 the creditors would have gotten .13cents a month over the course of 5 years, however the Trustee didn't like it and wanted my extra income. When we went to the judge, he told me the law does not require you to work 2 full time jobs, so if you quit one job you could convert to Ch7 and pay nothing. If you choose to work 2 full time jobs EXPECT to pay back $800, you have 15 days to submit another plan. Well it wasn't too hard to figure out, quit one job and pay nothing and lie low for a couple months OR be in Ch13 hell for 5 years working 80 hours a week and not 40.

Best of luck you! Catchmeifyoucan