I've been right where you're at and candidly I found going through the Means Test more realistic. I spent way too many hours trying to figure out what every little thing is. If your expenses add up to be more than the IRS guidelines you'll have to justify them anyway. I took the opposite approach and used the means test to get an idea of how much I would get, then I compared it to my expenses. Just my opinion.
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Yeah, I have been to that site and did the means test...Take $10 billion from the government and then sue me...nice
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I went and did it as well and it came up with a hypothetical chapter 13 payment of negative $126 a month........and that is with me taking out my second mortgage for lien stripping.......Filed 7/14/11....341 date is 8/23/11Comment
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heck.....i just reworked it and had forgot to add in my health insurance and now i am at at a negative $326Filed 7/14/11....341 date is 8/23/11Comment
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jwmci -- some of the expenses seem low given the size of your household. Dont short change yourself. I dont see medical. Maybe your pet care expenses can get absorbed under medical. My medical was 600 and was never questioned. Try to avoid listing the pet expense as 'other' on schedule J and try to stick most of these expenses in one of the categories in schedule J. Some of the 'other' expenses, if considered reasonable --such as daycare -- will defacto carry over to the means test.Comment
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