Question regarding SCOTUS Ransom v FIA decision

[SMinGA2]

Where's the "Like" button?

LOL. I was answering the question while it was being asked.

[rjsdsu]

Out of curiosity, since the means test is merely one step (and more useful in determining if you are eligible for a 36 mo ch. 13, in my opinion, than guaranteeing a ch. 7) how do you look on schedules I & J when you compare income to actual expenses?

If we get to include our student loan payments on I/J, we look very good. Otherwise, it will be tough.

Regardless of what is on the means test, your Schedule J must show your actual expenses. If your actual expenses leave you with enough disposible income to fund a Chap 13, the trustee will probably object to a Chap 7 discharge based on the totality of circumstances.

Thanks for the updated figures. I thought if I passed the means test, the analysis stops. I'll have another look at my I/J.