Attny said we need more income to Reaffirm Car?? Change Means Test?

[Beach Bum]

OK, I guess I'm a little worried about something. Our Attny has not explained it to us very well.

We want to reaffirm one of our vehicles, but our budget is negative and our Attny won't sign off unless our budget is at least $0.00.
So she said we need to show a little more income for them to sign off on the reaffirmation agreement.

I started working for my father (2nd job), after filing, making an extra $300/month, and our Attny said this will be enough for them to sign the reaffirmation.
So we have to amend our filing with that increase in income as well as our intention to surrender our 2nd vehicle.

My question is: since we barely passed our means test how will this affect it?
Increasing our income by $300 and decreasing expenses by $600 (2nd vehicle payment & operating costs).
That's an extra $900 in disposable income, right?
Or is the means test simply a snapshot of our income & expenses the day we filed and anything after the fact has no effect?????

[HHM]

You don't need to reaffirm, simply continue making the payments on time.

[wayne-o]

most people are saying dont reaffirm just make payments on time. If you reaffirm and things head south and you cant make the car payments, you would be responsible for any deficiency balance if the cars were repo'd and sold. If you dont reaffirm and things head south, you can surrender the cars and walk away without any more liability

[Beach Bum]

Well, we're reaffirming a new 2007 that we bought in Jan. with a pretty good interest rate. We can afford it, I'm just worried about raising any flags and being push into Ch. 13.
I don't know if we're out of the woods yet with regards to that???? Should we stress about it???
We are 28 days from discharge.
Any other thoughts would be appreciated since we have to sign our reaffirmation agreement tomorrow and give to the attny.

BTW, Chrysler Financial, is who we have the loan through and I've heard and been told that they are the only major bank that is not letting people do the ride through without the reaffirmation. They have taken a hard stance on the issue. So, we're not gonna take that path.