How much of a debtor’s income must be paid to the chapter 13?

The amount of income that a debtor has to pay to the trustee monthly is calculated by what is called the Means Test. Typically, the debtor must use all of the disposable income that the debtor and spouse make. Disposable income is income received by the debtor and his or her spouse that is not reasonably necessary for the support of the debtor and the debtor’s dependents. It is important that the debtor be able to make the chapter 13 payments, otherwise the plan will not be confirmed or later on the case could be dismissed.