Preparing to file my Chptr7, my lawyer says I pass the "means" test for BK cuz of recent unemployment, but now that I have a good new job the last 2 mos, he says I need to come up with expenses to cover most of that $1300/mo I've been paying on CC bills or it will be difficult for him because I have too much disposable income.(theres a legal BK term he used for this i forget)
We've itemized every expense I could think of already, all padded somewhat, but honest enough. He says I should get more insurance (i only have minimal company BlueShield) - health, dental, vision, change payroll tax exemption, and some other ideas. I've got to move out of my below-mkt-price apt soon (bldg sold) and he says I can afford a much more expensive apt. (Los Angeles avg. is $12-1400/mo for 1BR) I've looked at the expenses list in another post and got a few ideas, but don't think I can come up with even $500/mo more expenses that I'd swear to, much less $1300.
I've been living like a pauper for years to pay the CC's and this extra $1300 not spent on monthly payments is like a windfall. I want to save it for my uncertain future, not spend it on insurance or get stuck in hi-rent lease.
Anybody had this issue? Is "creative" expensing required? Do I just need to start blowing $ left and right pre-filing to avoid jeopardizing my case or do judges understand $ not spent on CC payments doesn't necessarily need to be spent on some other expense?
We've itemized every expense I could think of already, all padded somewhat, but honest enough. He says I should get more insurance (i only have minimal company BlueShield) - health, dental, vision, change payroll tax exemption, and some other ideas. I've got to move out of my below-mkt-price apt soon (bldg sold) and he says I can afford a much more expensive apt. (Los Angeles avg. is $12-1400/mo for 1BR) I've looked at the expenses list in another post and got a few ideas, but don't think I can come up with even $500/mo more expenses that I'd swear to, much less $1300.
I've been living like a pauper for years to pay the CC's and this extra $1300 not spent on monthly payments is like a windfall. I want to save it for my uncertain future, not spend it on insurance or get stuck in hi-rent lease.
Anybody had this issue? Is "creative" expensing required? Do I just need to start blowing $ left and right pre-filing to avoid jeopardizing my case or do judges understand $ not spent on CC payments doesn't necessarily need to be spent on some other expense?
Do you have any pets? Maybe Fido needed a new dog house because his old one was leaking. lol Seriously, I'd try to think of whatever I could within reason (obviously not a trip to the Bahamas) to get those monthly expenses higher. It might be things that you would do anyway but maybe you're so careful of spending money now that you aren't even doing things that you should be doing. I would schedule dental cleanings, doctor checkups, etc. You just have to think about it. I bet if you really take the time, you'll be able to come up with things. I'd save all my receipts from these things too just in case you're asked for proof.
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