Disposable income question

[doingpoorly]

Now this really got me thinking. It was posted by Justbroke.


"These Trustees are starting to get me mad. I have seen where Trustees want to look into the future and say a "car payment" that ends 2 years from now will give you disposable income. However, the Bankruptcy code is clear that it's any contractual payment due after the filing date. It does not specify the time. "


What is going to happen to me with this scenario.

File September 1st
Last car lease payment of $190 will be paid September 1st
I will need to replace the car that will be going back September 30th with a new car payment or lease payment of equal amount. Will I be told that I can't have that expense because the contractual agreement has ended? Will they say I will have $190 disposable income and throw me into a 13? Honestly, If I don't have a car I won't have any income period. LOL Isn't a schedule J looking forward to what the expenses will be after bk? I have to admit that the timing stinks for me to need a new car but it is what it is.

This car thing is the most bothersome to me about my whole bk. It keeps me up at night. ugh

[teacher]

What do you plan on doing about a car? Would it be possible to get the new car loan before september 1st?

[doingpoorly]

What do you plan on doing about a car? Would it be possible to get the new car loan before september 1st?

I would like to buy a car with about 50% down (gift from mom) after bk. I would need to put that much down so that I could have a low payment. I can't do that now because I am in Florida and the exemption is only $1000 for equity in a vehicle.

To be more clear on my original post ...I want to file August 1st not September 1st.