Need help ASAP! Failed Means test

[trashy]

I failed the means test by 500 per mo. but still got a ch7. Trustee had no questions at 341. good luck with yours.. new attorney?

[jetsfan2010]

I failed the means test by 500 per mo. but still got a ch7. Trustee had no questions at 341. good luck with yours.. new attorney?

I know it varies from one district to another, but my attorney said anything above 100 a month over median is very tough to get through on a 7 without scrunity by the Trustee here

[Freddy03]

That's great! Does the trustee have to know you have free child care. Couldn't it be possible that she can no longer do the job and you NOW have to put a child in daycare.....hint hint, wink wink, nod nod???

Work with me here!

My kids aren't day age children. The youngest is in 4th grade.

[Freddy03]

I know it varies from one district to another, but my attorney said anything above 100 a month over median is very tough to get through on a 7 without scrunity by the Trustee here

My attorney said I needed to be under $120 right now I'm at $202.50.

Fingers crossed for tomorrow (title loan).

I'm just nervous what if in the title loan contracts it says anything like if you file BK we get the car no questions asked.

[SunshineGal]

Freddy, did you ask your attorney about using the expense of your son's braces? If you average it over 12 months there is your $100.00 in additional expenses and there is a line on the means test for medical...I know because we used it, lol.

[Freddy03]

Freddy, did you ask your attorney about using the expense of your son's braces? If you average it over 12 months there is your $100.00 in additional expenses and there is a line on the means test for medical...I know because we used it, lol.

I did - he said if I couldn't get the title loan we would use the braces but I really didn't want to put the braces on 6 months early. So hopefully everything will work out with the title loan tomorrow

[keepmine]

I'm just nervous what if in the title loan contracts it says anything like if you file BK we get the car no questions asked.

Those sort of clauses are not enforceable. You can't sign away your right to file bk and the bk code requires you to list all creditors.
If that's all it took to protect a secured creditor, that language would be part of all financing contracts.

[Freddy03]

The saga continues!

One of the online titile loan places just called me and said that the old financing company is still listed as a lien holder on the title even though I have the title. I've been on hold with them for 20 mins! URGH!

[tobee43]

freddy did you get your electric bill this month???? they just got a HUGE increase....that should cover your means test!

we have progress energy and i can't believe that just got another increase!!! our neighbor was saying she never ran over $140 now she's running over $350!!! in ONE years time for the same month!

we also increased but not that much. but check to see, it's on this months bill, you might be able to adjust your means test just through your energy bill!

[Freddy03]

freddy did you get your electric bill this month???? they just got a HUGE increase....that should cover your means test!

we have progress energy and i can't believe that just got another increase!!! our neighbor was saying she never ran over $140 now she's running over $350!!! in ONE years time for the same month!

we also increased but not that much. but check to see, it's on this months bill, you might be able to adjust your means test just through your energy bill!

Yikes! I hope mine isn't that high. We have progress too. It's usually around $210 a month for the summer.

The finance co is going to fax me a lien statisfaction letter within 48 hours!! I hope it's here before tomorrow afternoon.

[SunshineGal]

I did - he said if I couldn't get the title loan we would use the braces but I really didn't want to put the braces on 6 months early. So hopefully everything will work out with the title loan tomorrow

You shouldn't have to put them on before you file, your son needs braces within the next 6 months, it is a legitimate expense. Just out of curiosity, have you thought about what you're going to do with the money from the title loan?

[Freddy03]

You shouldn't have to put them on before you file, your son needs braces within the next 6 months, it is a legitimate expense. Just out of curiosity, have you thought about what you're going to do with the money from the title loan?

Funny - I haven't thought about it. I guess I could pay all my months bills so I would be a head going into BK.

[tobee43]

Yikes! I hope mine isn't that high. We have progress too. It's usually around $210 a month for the summer.

The finance co is going to fax me a lien statisfaction letter within 48 hours!! I hope it's here before tomorrow afternoon.

well i hope you'll be sitting down then...because it really went up!! and from what i hear they are getting ANOTHER increase!

[IamOld]

well i hope you'll be sitting down then...because it really went up!! and from what i hear they are getting ANOTHER increase!

Dear goodness...and I'm complaining about $150!!!!

Freddy, if nothing else, the braces will be fine as an expense. At worst, get the dds to write it up for you - REAL medical issue, needs to be REALLY taken care of!

[Freddy03]

I did it!!!

I got the title loan yesterday!! I read the contract 3 times it did not state anything about filing BK in the contract. He did ask me if I had ever filed BK before and I just shook my head no. He then asked if I planned on filing anytime in the future. I acted like I was looking for something in my purse so I didn't answer the question. He didn't ask again so I technically didn't lie.

So it looks like I will be meeting with my attorney again next week to go over the paperwork and will be filing a short time after that.

My mortgage company has been calling me none stop since Monday so that is making me nervous. It's the HELOC people calling.

Thanks for all the positive thoughts!