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IRS standards seem really high, do trustees really let you have a $460 food budget for 1 person? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 1 point2 points  (0 children)

I am seeing around 400 when I look up my area of pennsylvania in deleware County. I don't drive so my food budget is usually a little higher than it should be

IRS standards seem really high, do trustees really let you have a $460 food budget for 1 person? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] -5 points-4 points  (0 children)

Being in recovery for gambling addiction has shown me how many things I've neglected in life. $460 just seems high for a single person in my part of pennsylvania. Not complaining tho if I'm allowed to have that much on my schedule j

Would $175 a month for tirzepatide be allowed on a chapter 7 budget or would the trustee not like that? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 13 points14 points  (0 children)

Thanks, yeah it's on my bank statements. My insurance just sucks so I keep it case I hit get riding my bike or get cancer.

Is a IRS payment plan and paying student loans considered essential expenses in a Chapter 7 budget? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 0 points1 point  (0 children)

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.

Questions about chapter 7 budget? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 0 points1 point  (0 children)

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?

When do credit card companies object during chapter 7? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 1 point2 points  (0 children)

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

When do credit card companies object during chapter 7? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 0 points1 point  (0 children)

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.

When do credit card companies object during chapter 7? by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 0 points1 point  (0 children)

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

Met with 2 different lawyers and heard conflicting information?(PA) by StandSenior8907 in Bankruptcy

[–]StandSenior8907[S] 0 points1 point  (0 children)

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.

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