The answer is very district and even trustee specific. Nobody is going to have the specific guidelines other than your lawyer. But it might help if I tell you what's the practice in my district so you don't feel raw about what your attorney is telling you.

In my district, you will have...

bcohen I've had bad experiences with extended warranties with many multiple repairs on appliances that really should be replaced. Repair, repair, repair, repair is always the plan no mater how many times it's been repaired. I've never had the warranty replace anything.

But we are in a bankruptcy...

This is not a summons, lawsuit, or judgment. If you dispute, a judgment can be verification that the debt is yours or it could be something else. In your case, it would be something else. The dispute example should buy you a couple of weeks or a month extra. It doesn't cost anything other than a stamp...

I agree it's almost always better to be in a 7 vs. a 13. BUT.....

I think it's a bad idea to quit a middle class job paying above state median under almost any circumstances including squeezing into a 7, especially for those age 40+. Good middle class jobs are hard to get and may take...

Your PI attorney had much more leverage to deal with subrogation before you settled with the defendant. It is very bad that this didn’t get dealt with pre-settlement.