My question involves bankruptcy in the state of: Florida
Let me start off with that I know I am not a chapter 7 prospect, probably a Chapter 13 scenario for me. My question is this: I did an online Means test, and after my gross monthly income and the IRS allowances for a single person, it said I had like 1K left over per month to pay towards creditors. No way is that correct. After mortgage, utilities, food and credit card min. payments, I am like in the hole $150.00 a month. Is there something I am missing???? There was nothing in the means test about monthly payments to credit cards....so Somebody please explain briefly what does a lawyer do in regards to the means test and what needs to be paid back in a chapter 13???Any input would be helpful .....Thanks

