means test

[sandhall]

we converted from a 13 to a 7 attorney submitted the means test and we showed 48 dollars left after all the deducts or 798 negative after making 13 payment. Attorneys legal sec said she didn't know if we would be able to stay in a 7 because of a 48 dollar positive but on means test they marked five yr payment would be less then 6000.00 and no presumption of abuse. could they force us to stay in a 13 because of 48 dollars?

[NotFun]

Can someone give a full description of how the whole means test works?

[lrprn]

could they force us to stay in a 13 because of 48 dollars?

Very doubtful. Most courts are saying they expect to see at least $100-160/month of disposable income to fund a Ch 13 plan. Otherwise your creditors can't get as much as they would get in Ch 7 - the current bk law requires this.

[lrprn]

Can someone give a full description of how the whole means test works?

Whole books have been written about this, NotFun. It would take more room than we have here to explain the process in detail.

Here's a link to an online Means Test for practice - http://www.legalconsumer.com/bankrup...0801#QuickTest . Go to the top of the page and put in your zip code. Then work through the pages yourself to see how the parts of the Means Test relate to each other.

Whatever result you might get won't be 100% reliable for your case - this is just so you can get an idea of how the Means Test works. Work this through, then come back with questions.

[NotFun]

Whole books have been written about this, NotFun. It would take more room than we have here to explain the process in detail.

Here's a link to an online Means Test for practice - http://www.legalconsumer.com/bankrup...0801#QuickTest . Go to the top of the page and put in your zip code. Then work through the pages yourself to see how the parts of the Means Test relate to each other.

Whatever result you might get won't be 100% reliable for your case - this is just so you can get an idea of how the Means Test works. Work this through, then come back with questions.

Your awesome!! Thank you.