I’m about to file for chapter 13. I’m worried that the court will take all my disposable income and if anything ‘unexpected’ happens then I won’t be able to pay for it.
Or, let’s say I really on;y have 0/month disposable income but they make me pay back 0 a month.
Anyone been through this?

Technorati Tags: chapter 13, disposable income

Additional Details
When I took the Means Test for Chapter 13 bankruptcy for Astoria, NY, it showed my disposable income as being much higher than it actually is. This is because they didn’t deduct my 401k contributions or my student loan payments. If I file for Chapter 13, will I be expected to stop contributing to my retirement fund and stop making student loan payments for five years in order to repay my debts?

Technorati Tags: 401k contributions, additional details, astoria ny, chapter 13 bankruptcy, debts, disposable income, means test, retirement fund, student loan payments

Discover card has supposedly filed a judgment against me. I have yet to be served and I know from researching they can’t take away my home and in the state of Kentucky can garnish up to 75% of my disposable income. I am currently unemployed but I am still worried as I know about the damage bankruptcy filing can do but I also know they want to get paid. Any suggestions ?

Technorati Tags: bankruptcy filing, disposable income, judgment against, state of kentucky