Okay, so I'm trying to get creative here. Without our student loan payments, we don't pass the means test, so we'd have to do ch13. However, because of the student loans, our unsecured debt is too high to file ch13. There is a place on the means test for court ordered payments. If we were to talk to the student loan company and ask them to place an administrative wage garnishment on our checks for our student loan payments, would that count in the means test? It wouldn't be court-ordered because they don't have to have a court order to garnish our wages, but it would be a direct wage garnishment made by the sl company. What do you think? If we can use it, then we would pass the means test and be able to file ch7. Thoughts? We're really in a pickle!
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