I did a means test online that was fairly compehensive. On the section where I listed my mortgage and car (secured lenders) it did not give me an option to put my HOA in. There is a section for "other" though. My question is, does an HOA association fee enter the equation enter in on the means test? If I don't pay it, they will put a lien on my condo and keeping it would not be an option there. If I don't include it, I'm just over the allowed amounts for eligibility for chapter 7 instead of 13. If I put it in there , I go negative in discretionary income and easily qualify for chapter 7 due to a negative 6500 over 5 years.
Since that is an expense that does not go away, do I include that in the area of the means test that asks "are there other required home expenses required for the well being of you, your family...... ?