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Filing BK while living with family

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    Filing BK while living with family

    A question about a family at our church who lost their home and are living with their parents trying to catch up on bills/debt. Eventually they will rent their own apartment once they get back on their feet. They are over the median but have a tremendous amount of unsecured and IRS debt. If they filed bk soon how does an attorney or trustee set up a repayment plan in a 13 when they are not paying rent or utilities at the moment? Would a a payment be set up based on IRS allowable expenses for rent and utilities even though they are not currently incurring those expenses? How would this work?

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