Surrender Home and Schedule J

[hughewil]

My attorney told me to use both my 1st and 2nd mortgage on my list of expenses even though I am surrendering the home. I Though if you don't reafirm you couldn't use the mortgages as expenses but he seemed confident I could. Anyone ever doen this? I worry the trustee will see that dissallow it and force me into a 13 even though I am under median.

[daylate]

I don't know for sure if he is right, doesn't logic out but this is BK...but don't forget that schedule J is forward looking and you need someplace to live so you have to include at least rent for a new place