I have not spoken to a lawyer yet, I did the means test online and it shows that with what bills it allows me we would have around $1350 left to pay back. so i am confused. I dont mind them concidering what half I pay in bills, but to use my income to concider what he is going to pay for bills that are his upsets me. I did not make them. I dont want to live on beans and rice for the next 5 yrs. $74,000 of his debt is from a home he lost.