Think a trustee will have a problem with these car payments? ($585 and $611)

[gava1910]

The attorney doesn't *think* so, but did mention it as possibly being a cause for concern.

The $611 is for my husbands work truck (A 2012 GMC Sierra 2500 utility pick-up). He is a self-employed contractor, and without a reliable work truck he cannot work.

Mine is $585 and is a 2012 Chrysler Town & Country. I also use this for my job. As a lactation consultant with a pump rental service I carry several breast pumps and plastic bins of supplies. I also have 4 kids under 7 in carseats.

I can't imagine they would tell me to try to find a beater van that will end up needing a ton of repairs, right? We are current not he vehicles. This is my current worry. Any insight would be appreciated!

Thanks!

[mynameainttracy]

Our car payments were similar and there was no issue.

[justbroke]

There's no real issue as the ownership allowance is $589/month per car. Plus, your cars get a technical refinance back to the length of your plan (probably 60 months in your case), and the interest rate may even be reduced to the "Till" rate (4.25% to 5.25%).

Your vehicles are also income producing so you can claim that it's for the health and welfare of your family. But, I don't think it will be a problem although it may cause the Trustee to ask why.