36 or 60 months

[Newday1]

I have researched this question, but my head is hurting from all the information out there.

Am I correct that you don't stand a chance to do a 100 percent payback over 5 years if means test shows with your DMI for the window of time the TT looks at it shows you can pay it in 36 months? Or, is it possible to still do a 60 month payback?

Next question: is a 13 a projection of future income or past income?

I am going through waves of emotions (peace and anxiety).

Income is inconsistent and varies. However this past yr could put us in a 36 month plan. I am feeling anxiety over that thought - not sure how we could accomplish it successfully.

We would (with God's help) make it happen, but income looks like it had potential to go down next year.

I know JustBroke has helped answer my question maybe on a similar topic...

I guess if income goes down and living expenses go up we file to modify it or convert to a 7. I just will fight with every fiber in me not to have it dismissed. We must finish successfully. And, I must not give into fear.

I still don't even know they will dismiss our 7. Could be they just take the extra income - the unknowns are so tortuous. I love AngelinaCats quote.

[LadyInTheRed]

As pointed out in your other thread, you really should wait to see what happens with your 7 before you spend so much energy worrying about what your Chap 13 plan will look like. But, I do understand wanting to be prepared.

Your question is kind of all over the place. So, let's focus it a bit. The minimum length of your Chap 13 plan is determined by your gross annual income based your income the 6 months before your filing date as shown on the means test. Is that income above or below median?