yet another paycut and initial #'s seem off as well?

[witeout]

Can anyone help me with some BK math? I have tried for hours and am so lost....

I am looking over my BK papers almost 3 years in, and wow was my chapter13 based on some high income we simply don't have.
They apparently averaged 6 months which sucks because we filed bk the day we got a massive pay cut. So that (new at that time) low pay did not average in well at all. Also there is a odd huge pay month back in 09 that doesn't even seem possible? We don't have those pay stubs but are guessing that we sold 2 weeks vacation to stay afloat. It really sucks that selling vacation and pre-paycuts income determine your next 5 poor years in 13? Obviously the goal to a newbie with paycuts is to try to hold on for dear life for 6 months so they numbers are accurate and doable?

Ok new problem. Yet another huge paycut is here.... We don't see the point of contacting the atty because if we walk away from the 13 we will immediately have to start paying for our one running vehicle with Honda. The amounts are similar both ways. From the data center it shows that we are only owing Honda pretty much anyway. Our debts were Atty+trustee fees, house arrears, Honda, and a very small CC amount.

The original off numbers made us $1500 short (gross) before we even barely started chapter 13. Now we have a new $1500 pay cut (gross).
So from starting ch13- 2009, till now, we are 3k shorter than the chapter 13 paperwork states at gross......

My options are slim:
1-walk away from 13, file 7, owe the same exact monthly payment to Honda
2-stay the course
-for the record we cant walk away from the house because our child has critical health issues that often revolve around her home space.
The rental homes here would send her to the ER and have already actually. She can have zero exposure to pet hair, dander, mold and other environmental things. Our house is cheaper than all rentals here. We also keep the house in hospital condition to keep her healthy and not to run up more medical debt.
3-Can the trustee stretch our BK out for over 5 years? Not sure if that's even an option?

I wanted to add a side note to a newbie that might be reading this. We were barely surviving this 13 then 2012 hit. This is the reality of what can go wrong:
Feb -Spouses 16 year old car needed new engine (huge bill)
Feb-son had surgery (bills coming from all over)
April-fridge died. So dead it was cheaper to buy new. New tiny cheap fridge was still a huge bill for my tight budget.
June-had an injury and had to go to ER then was sent on wild goose chases from each specialist and non ever diagnosed the problem. (which was a hurt back that healed on it's own in 3 weeks thankfully) I was in agony for a week before I went in and then the docs were determined it was all sorts of problems that I did not have, like kidneys and more)
July-our AC died (the first time) on a 102 degree day (big repair bill)
July-our AC broke again in another way (medium repair bill) (we are told another huge repair is around the corner)
July-only good running (with air) 8 year old car hit a rock and blew out the AC condenser. (huge repair bill). There is actually a lawsuit over this happening to thousands but we had to be in a 3 year window to join the lawsuit and get repair covered. We will not be able to joint this sadly and get reimbursed.
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I have spent the day with the calculator and I don't see anywhere to go with this? I am stuck it seems?

Does anyone know if paycuts can turn a 5 year chapter 13 into a 7 year? I am assuming that's a no go.

Thanks if your still reading and sorry this was long.

[keepsmiling]

Since it is critical for you to remain in your home, and virtually all of your debt is secured, you are probably best to stay the course. We don't know your home's equity situation, but considering your mortgage was in arrears, you could conceivably lose it in a 7. How much are you paying to the cc? That is the only place there is any room to maneuver. You do need to be able to show that your income can support a 13.

Seems like Michigan is the only state that you can wind up paying for over 60 months. But that's a different story entirely.
Your best bet might be picking up a second income to equal your paycuts so you can hang in there somehow.

Sorry for all of your difficulties. We've been picking up window units for 100$ each year because we know one day the central will go.

[witeout]

Thanks Keepsmiling. I plan to get the window units too until my HVAC guy said that the small leak we have actually will get bigger and effect winter heating? I did not realize that leaks effected winter heating. I thought only the AC would have been involved.

As far as the 13 yes I read that have to show that we can support it.... I also forgot to mention that our 13 was supposed to increase recently and did not. I am not sure if the trustee forgot or what. I have to work on that asap.

The pay change will be haywire from Aug-Dec, then a rebid takes place in Jan. Sadly we were told that 6 day work weeks are no longer allowed. So we will know true numbers in January. Transportation used to be the fool proof job even though the hours are long and odd. Now I think no ones job is safe!