Means test vs. Schedule J

[meetsv]

I just received my proposed plan (another one), the lawyer is proposing a monthly payment of $2260 when the Scheduler J shows a payment of 1185. There is no way that we can survive with the $2260 payment. Any advise would be greatly appreciated.

[MSbklawyer]

Why is I/J and means test so much different? Loss of income?

[meetsv]

MSbklawyer,

No loss of income, even when I do the means test, I come closer to the $1185 a month. I have ask questions on the numbers they are using but I get no answers from any of them. When I compare the numbers they used with the numbers I used, there is no a lot of differences, I don't know what is going on

[lrprn]

I have ask questions on the numbers they are using but I get no answers from any of them. When I compare the numbers they used with the numbers I used, there is no a lot of differences, I don't know what is going on

So when you asked your lawyer to explain the differences between what you believe the figures should be and his, he sat there silently?

Go back and try again. This time don't leave until you get satisfactory answers that you understand.

You should NEVER sign Ch 13 bk forms that propose a payment that you know will be impossible to make for five years. You need to resolve this before you can file, and no one else can do this for you. You have to step up and get the answers you deserve.

[meetsv]

lrprn,

Thanks, we are planning on taking a day of next week and camp out at his office until we are satisfy with the explanations. But, we are trying to figure out why the difference between both schedules