Creditors filing claim?

[Andyman]

So what happens when a creditor files a claim in a CH 13? Is there a means test for CH13? Looking at my budget I can only afford to pay what my truck payment was and what my atorney is going to charge and put in the plan. What happens if the trustee comes back and says you have to pay like twice what you can afford? Being selfemployed during this economical crisis is difficult at best...not know how much I'm going to make one month to the next.

[justbroke]

So what happens when a creditor files a claim in a CH 13? Is there a means test for CH13? Looking at my budget I can only afford to pay what my truck payment was and what my atorney is going to charge and put in the plan. What happens if the trustee comes back and says you have to pay like twice what you can afford? Being selfemployed during this economical crisis is difficult at best...not know how much I'm going to make one month to the next.

When you have irregular income that makes a Chapter 13 very difficult.

A Chapter 13 is about predictability. That's why your payments are based on your projected disposable income, and not your actual disposable income. It's all in the predictability of your earnings and what you can contribute to a Plan of Reorganization.

Having wrote that, you will work closely with your Attorney to make something that works. If you find that your income isn't regular enough, you may need to Plan this a different way.