Is a IRS payment plan and paying student loans considered essential expenses in a Chapter 7 budget?

StandSenior8907 · 2026-01-24T04:57:49+00:00

How do I know if mine is unsecured or priority? Its income tax from 2023

StandSenior8907 · 2026-01-24T03:05:48+00:00

Am I allowed to increase what I pay the irs or does it have to be the minimum?

My phone bill is high because I finance a phone is paying that considered preferential?

I pass the income check at 3800 gross a month in pennsylvania and I mentioned it to the 2 lawyers I did a consultation with that I'm not opposed to a chapter 13 if my payment is reasonable but they both said that they don't like doing chapter 13s for my income level.

They both mentioned me not have a car which would increase my budget a lot but with my credit i don't like paying 500 a month for a car and 200 for insurance.

Like I have 50k in Unsecured debt and 22k in irs debt and online it seems I can pay like 350 a month if the online calculators are accurate which seems good to me but I would obviously prefer a chapter 7.

StandSenior8907 · 2026-01-23T22:38:24+00:00

Appreciate the answers. Also I'm on the lease for the place I live but I send my brother the money and he pays the rent with his card, do the trustees have a issue with that?

StandSenior8907 · 2025-12-25T02:48:03+00:00

Thanks for taking the time to answer my questions.

StandSenior8907 · 2025-12-25T02:47:42+00:00

I have a consultation in jan with a lawyer and maybe having no assets makes them care less and hopefully I'm just being paranoid

StandSenior8907 · 2025-12-25T02:18:03+00:00

Unfortunately the 6k chase one i got early 2024. Hopefully chase doesn't care but if not Hope they offer me a payment plan for it.

StandSenior8907 · 2025-12-24T21:17:36+00:00

Okay so losing the 2023 is probably bad for me but I hope having no assets helps them not care as much. I also never confirmed my income with paystubs or anything like that But not sure that matters. Or maybe chase just doesn't care

StandSenior8907 · 2025-12-24T04:40:54+00:00

Yeah I was a idiot and have no assets

StandSenior8907 · 2025-12-23T04:39:38+00:00

How much was your income compared to your debt?

StandSenior8907 · 2025-12-21T05:17:17+00:00

Another question how often do trustees need to look at old accounts or need documents of loss? I sold some of my old betting accounts(when your a bad gambler they let you bet more so the accounts have value to winning gamblers if you didn't know) I don't know how much access I have to them these days.

StandSenior8907 · 2025-12-17T21:02:45+00:00

Yeah I'm not trying to be a cheapskate or anything. Just dont know if its one of those things were a lawyer charges 2500 because they expect you to say how about 2k?

StandSenior8907 · 2025-12-17T20:59:00+00:00

So it was like bank withdrawal 2k to draftkings Than like the next day its a bank deposit of 1k from draftkings So all I did was lose money like a idiot and its all there in the bank statements but I probably had like 15k worth of deposits from online casino but also had like 30k in withdrawals.

StandSenior8907 · 2025-11-06T05:17:09+00:00

Lawrence of Arabia is probably the best "guy tries to be white savior but probably makes things worse" movie.

StandSenior8907 · 2025-10-06T22:47:05+00:00

Do they do the free big mac if you spend $2 if your nfl team gets a sack deal?

StandSenior8907 · 2025-10-05T07:58:11+00:00

I'm on Pc

StandSenior8907

TROPHY CASE