The question of what is your "disposable income" for purposes of determining your plan amount under Chapter 13 is essential in determining the Debtor's commitment period under the plan. Current monthly income below the median for family size results in a three year commitment. Median income above the B22c guidelines, commits the Debtor to a five year plan where Creditors will be allowed to receive the confirmed plan payments over an five year period and any additional disposable income received in the same time period. This article is a discussion on how this determination affects the Debtor.
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