Columbus Chapter 13 Bankruptcy and Disposable Income

There is a lot that goes into filing for Chapter 13 bankruptcy in Columbus, OH. This is a process that includes many steps, with the end goal of reaching a better place in your financial life.


When you file for this type of bankruptcy, your disposable income is calculated to determine how much you will pay each month through your repayment plan. As you file the appropriate documentation with the court, you will be asked to include all the income you receive, regardless of the source.


When filing chapter 13 bankrutpcy in Columbus, Ohio, your attorney will calculate your disposable income to set up your repayment plan

Note: there is a lot that goes into a Chapter 13 bankruptcy filing, so you need the assistance of an experienced Columbus bankruptcy attorney. A legal professional can ensure that you are providing accurate information.


Chapter 13 Repayment Plan and your Income

With Chapter 13 bankruptcy, you are going to repay creditors via a repayment plan that will last anywhere from three to five years. As a result, you need enough monthly income to fund that plan.


The amount of money that you are required to pay each month is based on your income. The more money you earn the more money you can pay to creditors.


Your disposable income is calculated by considering all the money you receive, and then deducting your monthly living expenses. You will complete form 22C as part of your filing. Again, this is something an experienced Columbus, Ohio bankruptcy attorney can help you with.


What is Disposable Income?

Your definition of disposable income may not align with that of the bankruptcy court, however, they are in charge of the process. Generally speaking, this includes any money paid to you to regularly cover expenses. This income most commonly includes:


  • Employment wages
  • Employment salary
  • Rental income
  • Self-employment income
  • Your spouse’s income (not always included)
  • Government benefits
  • Unemployment benefits
  • Welfare
  • Child support payments
  • Alimony
  • Retirement benefits, such as a pension


While disposable income is one of the primary details of a Columbus, Ohio Chapter 13 bankruptcy filing, this is just one part of the pie. There are other details to consider, such as whether or not your are eligible to file.


Do you have questions regarding your eligibility to file for Columbus Chapter 13 bankruptcy? Do you want to learn more about how much your repayment plan would set you back each month? These are the types of questions that can be answered by Columbus, Ohio bankruptcy attorney Scott R. Needleman.


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Bankruptcy Attorney Reviews From Our Clients


Posted By: Danny                  Worth his weight in gold

The best Attorney i had and does'nt play games and straight forward. If it can be done he will get the job done. He did damage control on another well known inexperienced law firm in columbus (clowns) messed up. Scott you're the best!


Posted By: Stephen                  Very Pleased

Scott Needleman is a wealth of knowledge, his service was accurate and timely. The service provided exceed the price. Thank you.


Posted By: Candice                  Great Lawyer

He made me feel comfortable from the beginning. I'm so glad a friend suggested him to me. He made the process as easy as possible and I can't thank him enough for his help!


Posted By: William                   No non-sense

I hires Scott to do a chapter 13. He was/is current with revised laws, knowledgeable, tough and looks out for his customers. And he was a boxer. YIKES!


Posted By: Winfield                Chapter 7 Bankruptcy Case

Scott did a good job when I had to file for bankruptcy. He helped me eliminate my credit card debt and it only took 4 months. It didn't take the entire 6 months that I was expecting.


Bankruptcy Attorney Scott Needleman
Rated 5/5 based on 9 reviews

East Main St. Bankruptcy Law Office:

5300 E. Main, Suite 109

Columbus, OH 43213

614-575-1188 - Phone

614-575-1186 - Fax


As an added convenience you may request to meet at our Downtown Columbus Bankruptcy Law Office:

175 S. Third Street  Suite 200

Columbus, OH 43215

614-575-1188 - Phone

The Needleman Law Office is a debt relief agency in Columbus, OH aiming to help people file for protection under the U.S. Bankruptcy Code. As a bankruptcy attorney in Columbus, Ohio, our practice is limited to bankruptcy law, foreclosure defense, consumer protection laws and debt collection law. Needleman Law Office will provide a foreclosure or bankruptcy lawyer, or debt collections attorney, for your protection from creditors and debt collectors, serving clients in the following Ohio cities and their surrounding areas: Columbus, Bexley, Pickerington, Blacklick, Gahanna, Reynoldsburg, Westerville, and throughout Franklin, Licking, Fairfield, and Delaware Counties.

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