For those that have been discharged

[downwardspiral]

When you did your means test did you have zero disposal income leftover?

I was wondering if you had to have zero in order to qualify. I hear different numbers from everyone. our attorney figured our disposable income to b $155. He said that was fine and that we wouldn't be forced into a Ch. 13.

[kimba251]

I was in the negatives. I was also over the median. I haven;t been discahrged yet but it's been 70 days so it should be soon.

[RK05]

I would like to hear from people on this too. For those of you that got put into a CH13 what was your disposable income that made you switch?

[ThreadsSnapping]

We were -300 on the means test and -55 on the Schedule J. I would not have that much disposable income going into a Ch. 7. Are you +155 on the means test or the Sch J? What is the figure at the bottom of your Sch J. That number is more important than the means test.

TS

[downwardspiral]

Threads,
I don't remember. Are you saying you got pushed into a Ch 13?

[JRScott]

My lawyer had me with less than 100 and more than 0 on the filing. If you have vehicles or home you are reaffirming you need to show slightly positive in order for it not to be considered an undue burden.

[ThreadsSnapping]

No we weren't pushed into a 13. We had no disposable income after all of our expenses. We actually showed that we were short about $300 on the means and short $55 a month on our Sch J. We had more expenses than income on both parts.

Theoretically, if you have more than $110 extra after your expenses every month you can be pushed into a 13 and if it is over $186 extra a month, it's almost guaranteed that you'll get pushed into a 13.

There is a little more emphasis on your Sch J as they are your actual expenses whereas the means test uses a lot of standardized numbers.

TS