After researching the web all day I'm still not clear on a couple of things. It is my understanding that if I pass the income part of the means test, then disposable income will not be an issue. Yet the trustee will still want to see bank statements and cash spending/receipts for the previous 6 months. If they find I spent money on something not listed as an exemption (ie. a vacation or tattoo), does that mean I have to file a Chapter 13?
A 13 would not necessarily be a bad thing for me and I'm seriously considering it for other reasons. Since the spending plan would be tight, all the more reason to make purchases now that I won't be able to make later. But I could also just move back my filing date on a Chap. 7 which would change the look back time frame.
By the way, we're talking about $2,600 in cash between now and October that is "disposable". And an attorney already told me I can have up to $1,000 in cash for my state, which means i have more than half of that to either spend or fork over.
A 13 would not necessarily be a bad thing for me and I'm seriously considering it for other reasons. Since the spending plan would be tight, all the more reason to make purchases now that I won't be able to make later. But I could also just move back my filing date on a Chap. 7 which would change the look back time frame.
By the way, we're talking about $2,600 in cash between now and October that is "disposable". And an attorney already told me I can have up to $1,000 in cash for my state, which means i have more than half of that to either spend or fork over.