What numbers do you use

[stressedNC]

when filling out the schedules if you are letting your home go and do not know what your rent and utilities will be? Would I just use the standards? Do we use our current ones that will be changing when we move out?
Also does anyone happen to know when using the means calculator on legalconsumer where should I be putting our student loan payment amounts?

[JRScott]

I'm not sure student loans can be used in the means test even though you can't discharge them, yeah I know kinda crappy.

As to the other question I didn't have this issue. However for the moment you might use what you have been paying. Not sure if that flies in NC court as I didn't have that issue. Have you contacted a lawyer yet?

[stressedNC]

Yes we have a lawyer but I get a "oh it will be fine either way" attitude about everything from his staff and talking to him is of course extra. They really seem to think I am over thinking everything and worrying about everything and that all will go smoothly.

I guess they do know what they are doing and how the local court is so I should trust that, but at the same time I would rather worry now and then have it go smooth and be able to move on with a fresh start than not worry now and deal with the stress of a bunch of glitches, kwim?

In case anyone else has the same question about the student loans I did find out student loans go on the priority payments line where child support and such would go.

[music12]

yeah, trust them. the first question that popped into my mind when i read your post was, well, will it make a difference in your case? if it will be fine either way, then well it doesn't matter, does it!

[ProjMgrNewb]

I don't know if it's based on the state/district or not, but I filed a Chp 7 in Ohio, Southern District, and I could NOT include student loans as a priority payment. My attorney originally did this, and the US Trustee gave us an empathatically NO!

This, of course, gave me "extra income" and the trustee grounds for "presumption of abuse"... this amongst other things caused my case to implode.

I think in most states, student loans are considered as "unsecured, non-priority debt". There may be a gray-shaded area if your student loans are private (versus government backed), but I doubt that too, because from my understanding one of the key points in the 2005 Bankruptcy law overhaul was to keep people from running up student loan debt then filing bk.