Chapter 13 and the means test?

[peppymom]

Lets say you want to pay back some of your debt but you passed the means test for Chapter 7. Is there anyway a payback plan of say $50 a month could be reached? The total debt unsecured is about 80,000.00

[SMinGA]

It probably would not benefit anyone other than your atty and the trustee. If your intent is to make an effort to repay something to your creditors, your mission would fail I think.

Atty's usually charge more for a 13 than for a 7 - with part of their fee being paid in the plan. And the TT gets 5-10% off the top of what you pay in. So most likely, if you worked with your atty and insisted on filing a ch. 13 then all (or most) of what you paid in would go to your atty & trustee.

[newbie2]

Lets say you want to pay back some of your debt but you passed the means test for Chapter 7. Is there anyway a payback plan of say $50 a month could be reached? The total debt unsecured is about 80,000.00

You can pay anyone you wish after discharge of a Chapter 7. There is absolutely no need to enter in to a Chapter 13 just to pay $50 to unsecured creditors. The attorney fees alone for a Chapter 13 are much higher than what you are proposing to pay.

Just realized that Smga and I were typing at the same time, nearly the same reply :-)