Concern over chapter 13 proposed payment amount
You need to have a bit of
You need to have a bit of faith. There is a reason why your attny set your payment at $1,800 per month. He/she did this because 1) your average monthly budget states this is what you can afford to pay OR 2) you need to pay no less than $108,000.00 (1800x60) to pay back what is required by law.
The court understands that you may have "unanticipated" expenses over the next five years. You will have the ability to ask for a grace period to provide for payment of those expenses. It is called a "motion to waive payments" or a "motion for moratorium". However, once the waiver is over your Plan payment may increase to cover the missed payments.
It appears from your post that you are scared. Don't be. This is a process that, for many, works just fine. You, as the debtor, should be given the opportunity by your attny to understand the process. Therefore, if you have questions contact the attny and meet with him/her to go over your concerns. Do this as a "face-to-face", not over the phone or by email. For a start you want to know why your payment has been set at the higher amount. Was it because the budget shows that is what you can afford or was it because of the amount you need to pay by law over the life of the Plan? Once you understand the issues you will be able to either accept the final outcome or get the attny to adjust things to meet your needs.
Des.