possible monkey wrench

[sunshynny]

My cousin wants me to consider adopting her unborn child. We had our 341 meeting last month and the meeting with the judge is in a couple of weeks.

We are a family of three with 13% going towards the unsecured creditors. We are paying $935 into the plan with another $605 to be added in Dec 2012. We are scheduled to receive a raise and our new contract will bring our income up another 13%. I think we might be able to swing childcare and still be able to afford a plan but where can I find out how much we are allowed for childcare? Its a holiday so my lawyer is not available.

[helpmeout]

Adopting a child will probably lower your payment as other allowable expenses will probably go up, as well since you will become a household of 4. I would research reputable and licensed daycare's in your area, pick one and list that as an expense. And fight the Trustee if s/he tries to lower the amount. Be sure that you have your research about the costs. You may have a problem if you choose the most expensive, but you would probably win if you pick something in the middle. Your attorney should be available tomorrow and will be able to give you a better answer.