Looking to file Ch. 13 and needed some input on a couple issues.
As I understand it Ch. 13 Bankruptcy takes into account all your expenses and anything remaining above that is paid to your creditors, correct? If so what are you supposed to do for things like kids birthdays and things that aren't "regular" expenses that come up.
How hard is it to rent a place under ch. 13?
Typically how long from the time you initially file does it take before you go into repayment?
Are there any calculators on the net that helps estimate what your payment plan might be like?
Thanks for any help,