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If you have negative cash flow using the federal guide for monthly expenses, can ch13 bankruptcy be denied?
Yes, your in arrears payments can be adjusted to your income/assets.
If you have refusing cash flow, denying your bankruptcy is the LEAST of your issues. If all your debt vanished today, you would be back in debt by the end of the week. That is exactly the definition of negative cash flow. Don't even bother reading
Yes, it will be denied and coverted to a ch. 7 liquidation (wipe-out all debts). For a 13 you demand enough montly income to cover your basic living expenses PLUS a monthly payment to the ch. 13 trustee.
is there a on line web site that can guide me through the income and expenditure section on a bankruptcy form?
Essentially these are meant to be answered scrupulously as your circumstances are. There are legitimate expenses which are acceptable i.e. food costs etc. but even then there are guideline figures as laid down by the British banking Linking.
What's the cheapest yet best way to file for chapter 7 bankruptcy?
Some one advised me that you could go to court and they have a item department which guides you through the filing process at a very low cost. But cheap isn't always the best but I also contacted several attorneys and the succeeding price is $1,500 or
Get hold of your local city or county legal aid and see if they offer bankruptcy filing at a lower cost. I have heard of people getting in over their heads filing bankruptcies on their own without judiciary help(so be prepared to read alot and put alot