To all,

The problem with Payne is that the Trustee was attempting to create equity where there was none and, in the process boot the debtor and the family out on the street. The debtor was very sympathetic and the lender was not going to agree to a short sale. Bad facts for the Trustee...

justbroke

OP has been dealing with this issue since at least this past September.

https://www.bkforum.com/forum/before...id-to-mortgage

It appears he/she elected not to work out a settlement with the Trustee....

The "means test" and Schedule J expenses are generally two separate issues.

Form 122 (means test) is filled out based upon Congressionally mandated expenses which utilize local and national standards. You cannot deduct "home repairs" over the allowed housing expense....

Congrats on successfully moving through the process - despite the adversity. Never second guess a decision as everything happens for a reason. One of those reasons is the experience and knowledge that you gained and then imparted onto others.

Best and warmest regards.

De...

Question 8 reads in full as follows:



So, the answer to your initial questions is "yes, you list the payments".

Will a Trustee try to recover the funds from the creditor is anyone's guess. Will the Trustee try to get the funds from your parents? While...

I had a question for you that I thought would be to specific for the general forum. I filed a non-consumer chapter 7 and now I want to switch to a chapter 13 100% repayment plan. I qualify to be a chapter 13 debtor and I have plenty of income to support a 100% payment plan. It will be an asset case...