Would it be best to have a negative DMI, be under the means test and have secured debt close to or higher than the limit so as to be reasonably assured you are a CH 7 and not a CH13, and if that is not the case has anyone ever been put into a 13 when the above 3 conditions existed?
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Remember that your looking at actual expected expenses on the schedule J. That said, a negative is not nessesarily bad, but you don't want to have some huge crazy negative number that would draw attention.Filed Ch 7 Pro Se - 9/5/2009
341 - 10/26/09
Discharge - 12/30/09
Closed - 1/4/10 -
Its just that my income is way less than it used to be or even will be after I file although it will go up after I file I hope. My expenses from being an independent contractor are rather high. I have to purchase my own health insurance, life insurance, liability insurance for work as well as license fees etc and unless they tell me I can't keep these items, it makes my sch J numbers quite negative. Now it may be that once I file I may not be able to afford to insure myself or family unless my income increases. Time will tell.Comment
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