Quit paying on car, house, ccs. Now worried about means tes with freed up cash

[doodlesas]

My husband is filing in 4 months. I am not on any of his bills except for current home we paid $60,000 for. House in MN is in his name only. It is rental property now in foreclosure. We live in NC and have a small property and are up to date on payments, never late. It is the only thing I have my name on and we will keep it.

My question is this. We easily fall within the means test guidelines. Will they look at our outstanding monthly debts too? I believe they will. But since we quit paying on everything, now our monthly debt is low. The car payment is no longer there because it just got repossesed 3 weeks ago. The MN house is in foreclosure so we don't have that debt. What if it sells as a forclosure before we file?

No credit card payments since we are in default. We are saving up our freed up money for back IRS taxes and attorney. Any reasons I should be concerned? We are not struggling now that we quit paying. By the way, my husband works full time but I have MS and got laid off from my job in December. Thanks for any advice.

[doodlesas]

one thing to add. We owe back IRS taxes of $11000. Next April will be three years since the filing. If we waited until then we could include it in br. But by then it will be down to $8000. Since I am on that debt then I believe I would have to file too which may not be worth it. We pay $275 month on this . We also will be paying $1600 towards federal taxes in April. We have most of this saved up. We claimed extra exemptions and did't have enough taken out because we needed the money for bills.

[OhioFiler]

The Means Test allows for standards in terms of housing and transportation. Go to one of the online means test sites and see what happens.