Increasing some expenses to pass the means test...

[GettaLoadOff]

There is mention of coming up with more ways to further decrease your available monthly income in order to pass the means test. Such as lowering deductibles, adding more insurance, adding more features to your phone, getting a better apartment, etc.

If you do these things as you near the time to file, the amounts wouldn't cover the full 6 months prior to filing; in other words, two months worth of increases would be divided by 6 to determine the expense to add into the means test, which wouldn't amount to much. Not enough history there.

I guess if you are planning to come up with more expenses, you will need to file further down the road? Whatever it takes to make a 7, I guess...

Can I hope that this isn't the case?? I'm surely ready to file! I know, I know, don't rush it...

[NeedNewStart]

Personally, I would love to file NOW and get it over with! However, I would be screwed if I did... so now I wait. While I'm waiting, I'm planning

I'm going to have everything all ready to go when it comes time to file. Hopefully it will go smooth. I'm planning on filing around Feb/March of next year.

Now that I'm not paying my house payments I have lots of extra money (still way under median) to deal with.

It's interesting to try to find ways to spend more money when I've been trying to spend less money for so long.

[Jacinta]

How do you not mak your house payments for that long without foreclosure?

[NeedNewStart]

I don't live in the house because I had to move out of state. The reason that I'm saving so much money is because my apartment costs less than half of what my mortgage was. I'm sure the house will go thru foreclosure before I file. I'm only filing to rule out the potential deficiency judgement in the future.

[NeedNewStart]

I'm pretty sure you can stay in your house for a pretty long time without paying anything. I guess it depends on your state. If I was living in the house I figure I could have at least 8 months payment free. Unfortunately.... had to move and can't sell because of the huge loss of value.