Originally posted by Ekop785
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When you're under-the-median the changes of the UST objecting to a discharge are low. But in cases where there is a significant difference, it may pique the curiosity of the UST.
If you are over-the-median and your housing costs are higher than the IRS CFS standards, you will be questioned... especially in a Chapter 7. The only exception is when you own the home and the living standard is commensurate with your income. In some cases, a trustee may overlook a rent that exceeds the local standards if there is a compelling reason (it's close to work, saves on commuting costs, and those savings are reflected in the schedules).
The real kicker is this. There's no way to tell how the UST or trustee will behave if they see that you exceeded the guidelines. The handbook says that the trustee "should" object to certain instances where the expenses exceed the standards.
But, as I wrote, being under-the-median is likely to shield such debtors from the deeper inquiry and scrutiny.
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