Just got my payment amount and about to scream!

[CindyLou]

Ok, I'm confused. I DO pay rent for my condo, I'm just saying, if I miss a payment, it's not the end of the world. This is why I'm saying, should I just tell them that I don't HAVE to pay but I do, so that they will increase my payment? I AM being honest about it. I want to pay what I'm supposed to. I just don't use every expense that they say I should in the Federal standards. I've read on here that many don't and have that extra each month. I want to be fair and pay whatever it is they think I should. I'm not hiding anything. They can take what they want but after doing the means, I see that there is much more left over then there should be. How do I tell the trustee this? Can I tell them that I can pay MORE if my attorney says I can't?

When it comes to matters of a legal nature, you should only tell the truth and nothing but the truth so help you God! Whether it is to your benefit or the court's benefit! You should always tell the facts period.

[HenriettaHen]

This is getting more hilarious by the minute.

Sybil, do you understand what disposable income means?

It means everything you have left over after your bills are paid.

EVERYTHING.

Let's start with that.

[arkienurse]

TX69, I am so glad you got your payment lowered, every little bit helps.


Living on a 13 budget is HARD, but it can be done. We are here if you need to ask questions, groan, moan, or gripe about anything. If you don't believe that, search out some of my posts. I have even griped about things that were so not bk related and found good advice, comiseration, and just plain concern for me.

[icantbreathe]

If your attorney gives a payment to the court and they accept it, and she has income left over, it's not her problem. Some people I see on this board are bitter because they don't have leftover income, but that's not anyone's fault but theirs and their attorney for not doing the means test properly. Some states are different then others and you can't compare apples to apples. Some people's income also fluctuates like mine. I work on base + commissions and they took the avg. of 6 mths to calculate but now if I want, I'll just sell more or take on side jobs for extra income. If they want to audit me, fine, I'll pay it, but if they don't, thats not my problem.
I sure as hell ain't going out of my way to pay the extra. Let them do the work! They probably figure out, I'll have slow months too where I'm just barely making it. Either way, it's a hell of a lot less then what I was paying!

This is getting more hilarious by the minute.

Sybil, do you understand what disposable income means?

It means everything you have left over after your bills are paid.

EVERYTHING.

Let's start with that.

[wayne-o]

I just have an added comment about the mortgage being included in the plan. The trustee did not give me a choice on whether or not it will be paid in the plan. On the plus side my payment was never late to the mortgage company and the trustee filed a motion with the bk court that said that the mortgage is current and all defaults cured which if granted will keep the mortgage company tacking on fees and stuff after the bk is over. Also the trustee did not charge the 10% on the house payment or my car payment. I just paid the 10% on the unsecured debts.

[HenriettaHen]

If your attorney gives a payment to the court and they accept it, and she has income left over, it's not her problem. Some people I see on this board are bitter because they don't have leftover income, but that's not anyone's fault but theirs and their attorney for not doing the means test properly. Some states are different then others and you can't compare apples to apples. Some people's income also fluctuates like mine. I work on base + commissions and they took the avg. of 6 mths to calculate but now if I want, I'll just sell more or take on side jobs for extra income. If they want to audit me, fine, I'll pay it, but if they don't, thats not my problem.
I sure as hell ain't going out of my way to pay the extra. Let them do the work! They probably figure out, I'll have slow months too where I'm just barely making it. Either way, it's a hell of a lot less then what I was paying!

With this pithy paragraph, my dear, you have given yourself completely away.

How?

Syntax, and BIG problems with pronouns, tense, comprehension. Use of First person singular, second person possessive, etc.

Why are you banned?

Because you are a "Paris Hilton" type personality - and that really grates on the nerves of actual poor people.

Not to mention the fact that you're so arrogant as to ignore the seriousness of this forum.

Here's your big problem in a nutshell:

Either way, it's a hell of a lot less then what I was paying! (and you apparently think you get to keep the rest for "you".)

Go ahead! Try IT. REPORT BACK.

Good luck.

[Granny]

If your attorney gives a payment to the court and they accept it, and she has income left over, it's not her problem. Some people I see on this board are bitter because they don't have leftover income, but that's not anyone's fault but theirs and their attorney for not doing the means test properly.

I don't think bitter is the word here....try scared....of wanting to make it through a 13 and afraid that they won't be able to do it. As much as congress would like to make it a "one size fits all" situation, it doesn't work that way. There are just too many variables to standardize a chapter 13.

I'm tickled pink you can make more money some weeks or months, but there are many of us here that are at the end of our careers, too mature to start in a new field with variable incomes, too much to risk if we don't have that steady pay check that we can count on. We can only put in so many hours a week. To put yourself in our shoes, imagine living the next 5 years on your base pay only...that's what it's like for us.

[Granny]

I just have an added comment about the mortgage being included in the plan. The trustee did not give me a choice on whether or not it will be paid in the plan. On the plus side my payment was never late to the mortgage company and the trustee filed a motion with the bk court that said that the mortgage is current and all defaults cured which if granted will keep the mortgage company tacking on fees and stuff after the bk is over. Also the trustee did not charge the 10% on the house payment or my car payment. I just paid the 10% on the unsecured debts.

Wayne-O,

When I was Ym'ing with TxLady, she told me that her hubby wanted the house payment in the plan. I didn't realize that trustees didn't charge their percentage on the house payment too. Thanks for correcting me on that.

[newbie2]

]If your attorney gives a payment to the court and they accept it, and she has income left over, it's not her problem. Some people I see on this board are bitter because they don't have leftover income, but that's not anyone's fault but theirs and their attorney for not doing the means test properly. Some states are different then others and you can't compare apples to apples. Some people's income also fluctuates like mine. I work on base + commissions and they took the avg. of 6 mths to calculate but now if I want, I'll just sell more or take on side jobs for extra income. If they want to audit me, fine, I'll pay it, but if they don't, thats not my problem.
I sure as hell ain't going out of my way to pay the extra. Let them do the work! They probably figure out, I'll have slow months too where I'm just barely making it. Either way, it's a hell of a lot less then what I was paying!

What actually could happen is this: Once the trustee notices that the income is salary + commission they may ask for quarterly reports. In this way they can be assured that all income is being reported accurately. They do this for commission based filers regularly. The paystubs will probably reflect the breakdown and the trustee may want to see what the pay looks like on a regular quarterly basis for the life of the plan.


Good luck CG or whatever name you're using today. You haven't actually gone before the trustee yet, if you have any intention on doing so to begin with.