Your experience with the Trustee

[jwmc1]

I have completed most of the paperwork needed to file, although I am still goign to hire an attorney to represent me (I wanted to be sure I understood everything). I have read a great deal about people who have been surprised by dramatic changes in the plan once the trustee weighed in on it. Does this happen a lot, or do those it happens to just tend to write about it more?

[justbroke]

Except for $60 I'm arguing with my Trustee about... the Trustee took my plan as is. The Trustee never objected to my plan, and never asked me to change anything on my plan. I'm in a 0% plan and am a way way over the median income filer.

A lot of this is so District and Trustee specific that the only thing you'll get from other posters will be anecdotal. Attorneys that have practiced in their particular District for some time, will know what the Trustee likes and doesn't like and can generally prepare a plan that won't have surprises. However, the Attorney can only make a plan as good as the "data" that is input into that plan. So, don't be a debtor who "forgot" about something and then blame the Attorney for increasing the plan payment!

[klandsb]

Oh Justbroke I think you are giving the Attorneys some sympathy !!

After studying my plan again , for the 100th time, I realized that on my 401k contributions were taken off the means test but never included on the I & J schedule. Which is what
the trustee is using in my case....
Not sure if I should have caught it or the attorney should have caught it before filing ???To some $ 250.00 may not seem like alot but it is to me.If you really think about the #'s
$ 250 a mth x 60 mths = $ 15,000.00 that the credit cards wont get ....

[justbroke]

Oh Justbroke I think you are giving the Attorneys some sympathy !!

I don't mean to.

After studying my plan again , for the 100th time, I realized that on my 401k contributions were taken off the means test but never included on the I & J schedule. Which is what the trustee is using in my case.... Not sure if I should have caught it or the attorney should have caught it before filing ???To some $ 250.00 may not seem like alot but it is to me.If you really think about the #'s $ 250 a mth x 60 mths = $ 15,000.00 that the credit cards wont get ....

No, $250 is a lot to any person in a Chapter 13! If that's one of the errors, then you should quickly point this out to the Attorney.

[jwmc1]

Well, that is not due to the trustee making any changes...I certainly do worry that I or my attorney might forget something, but my big concern is the trustee deciding I don't "need" that much money!

[klandsb]

Going to see Attorney tomorrow. He needs to amend my schedules.

[jwmc1]

Going to see Attorney tomorrow. He needs to amend my schedules.

What is the issue?

[justbroke]

What is the issue?

Reads as though the Attorney forgot, at a minimum, to put the 401(k) Contribution/Loan on Schedule I. I wonder what else is wrong.