Lanning - perhaps advice from HHM and other Gurus!!!

[IamOld]

I am wondering if one of the wise heads here could educate me (not that I don't trust my lawyer BUT I have to come prepared!!!)

How does Lanning figure into Ch 13 budgets? In other words, the Nolo online test shows I can pay back $(say) 1400/month (which is not as horrendous as it sounds...would like it to be lower).

NOW - this was based on my regular job PLUS (don't laugh) six PT jobs. ONE of these SIX is going away, and it looks another one will be paying less.

SO - when atty lays out Ch 13 plan - per Lanning - could the atty say that the plan is using income WITHOUT PT job that is gone? In other words, propose an amount less that $1,400 per month because of this PT job that is gone???

[BnkrptcyLwyr]

Is there a need for all the part time jobs? When I hear a client tell me that they have all those jobs I remind them that all that extra work will merely be for the benefit of their creditors. They quickly realize - why work for my creditors? You may quit several of those jobs and qualify for a Chapter 7. I've had clients do that. I had one client who was working all kinds of overtime. With the OT, he was a Chapter 13. When he worked his 40 hours, he qualified for a Chapter 7. He had two small kids. He was able to cut the overtime, and see his kids, and qualify for a Chapter 7.

[IamOld]

Is there a need for all the part time jobs? When I hear a client tell me that they have all those jobs I remind them that all that extra work will merely be for the benefit of their creditors. They quickly realize - why work for my creditors? You may quit several of those jobs and qualify for a Chapter 7. I've had clients do that. I had one client who was working all kinds of overtime. With the OT, he was a Chapter 13. When he worked his 40 hours, he qualified for a Chapter 7. He had two small kids. He was able to cut the overtime, and see his kids, and qualify for a Chapter 7.

THANK YOU!!! for replying!

Well, ONE of these PT jobs is going away...I can't keep up with it. The truth is that some of these I'd like to (and need to for money 7 v 13 nothwithstanding) and it is in the field that I really WANT to work in...the dayjob supports my "habit" that I do in the PT job. If I quit these...they're gone period...BUT I have thought about this as well, and we COULD qualify for 7 if I hold these down for a few months (which I can do) BUT what's pushing me is the lawsuit from our friendly megabank...hence my question....even if I quit everything TODAY...that still wont' be effective with 6 month lookback...