Finally got our case number - we were filed on Nov. 24 
Plan as follows:
2 rental homes surrendered (this really hurt - was a big part of our retirement plan)
1 RV surrendered (thinking we may buy a small tent in the future as a fix for our camping withdrawals)
Lien strip of 2nd mortgage (81k HELOC) on primary residence
roughly 82k in unsecured Credit Cards etc.
Business (sole proprietor) left untouched and will continue to operate. Tools of the trade exemptions doubled as we are a husband/wife partnership and therefore everything is exempt. This is my primary income.
Wife fulltime employed but battling numerous medical issues (currently on a medical leave from her job but expected to be able to go back to work in January).
Over the means test considerably because the formula uses gross business sales (~140k) instead of actual taxable income (~$35k).
DMI neg $1034/month (how did we make it this far?)
0 percent to unsecureds.
Plan payments of $271 + $1585 1st mortgage (total $1856) for 60 months.
I think the trustee likes including the house payment as she gets 10% of plan payments for her fee ($11,136 total over life of the plan)
Attorney's fees $6073 ($1000 retainer and $5073 paid through the plan)
I, like almost everyone who I've come to know here, never thought we would be in this situation but here we are - looking forward to getting on with life.
Thanks again to eveyone for the input - and thanks in advance for the further advice as I am sure I will be in need of more as our plan progresses
Happy Thanksgiving
Plan as follows:
2 rental homes surrendered (this really hurt - was a big part of our retirement plan)
1 RV surrendered (thinking we may buy a small tent in the future as a fix for our camping withdrawals)
Lien strip of 2nd mortgage (81k HELOC) on primary residence
roughly 82k in unsecured Credit Cards etc.
Business (sole proprietor) left untouched and will continue to operate. Tools of the trade exemptions doubled as we are a husband/wife partnership and therefore everything is exempt. This is my primary income.
Wife fulltime employed but battling numerous medical issues (currently on a medical leave from her job but expected to be able to go back to work in January).
Over the means test considerably because the formula uses gross business sales (~140k) instead of actual taxable income (~$35k).
DMI neg $1034/month (how did we make it this far?)
0 percent to unsecureds.
Plan payments of $271 + $1585 1st mortgage (total $1856) for 60 months.
I think the trustee likes including the house payment as she gets 10% of plan payments for her fee ($11,136 total over life of the plan)
Attorney's fees $6073 ($1000 retainer and $5073 paid through the plan)
I, like almost everyone who I've come to know here, never thought we would be in this situation but here we are - looking forward to getting on with life.
Thanks again to eveyone for the input - and thanks in advance for the further advice as I am sure I will be in need of more as our plan progresses
Happy Thanksgiving
But here we all are nevertheless.
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