The 36 month rule.

[lookitsphillie]

To obtain 0% to unsecured, you must run at least 36 months.

RIDDLE ME THIS!

36 months from filing date OR 36 months from date plan payments began?

[aa06a47]

Well, the rule is all disposible income for 36 months if your below the mean income or 60 months if your above the med income.... and the unsecured would have to get at least an amount equal to what they would get in a straight chapter 7.

The minimum time is 36 months unless you pay 100% to unsecured creditors. Hope this clears things up for you.

[lookitsphillie]

When does the 36 month clock start? Filing date or first payment date?

[aa06a47]

well, it is 36 months of payments, so first payment date I would guess.