High Income Ch 7 or Ch13 - Advice?

[momofthree]

You said that you will be getting a $10k tax refund, is that standard? If so, the tt can use that as your dmi to fund a ch.13. $10k equals out to about $833/mo in over withholding of taxes that can be converted into a payment. That's $60k over the course of 5 years and the tt will probably be salivating over it. If you have a negative dmi that is greater than the over withholding though, you should be fine.....Or, if it is an unusual refund due to tax credits that you won't be receiving in future, it is possible to argue it, but you will have to have an attorney who is willing to fight for you, so choose your attny carefully.