just back...

[ska]

? First of all that wasn't my point, but the point of the UST is to ensure that the creditor's are paid- and that the law is followed. They are there to ensure that the creditor's interests are fullfilled, as the debtor is the one that is trying to get out of it. SO when a UST basically tells you how to up your rates to basically screw the creditor, I just have a hard time believing this....

I could believe it. I think one of the main reasons I could never stick to a budget was because it wasn't realistic. I honestly underestimated the amount of money needed to feed, clothe, and care for my family. Once I started tracking my spending on a daily basis I realized where I could make cuts, but the biggest shock was the actual numbers. I think a lot people underestimate some budget items.

I think this UST might have wanted to make sure that the debtor is not going to be stressed if forced into a 13.

[Duke89]

We got lucky I guess.