This is not the case. Under Chapter 13 reorganization, we propose the budget plan, subject to Court approval. We look at all of your expenses to ensure that have adequate money to meet your monthly living expenses. We base our budgets and the court evaluates it based on IRS expense standards to ensure that the amounts are fair and adequate. In fact, your monthly living expenses take priority in the budget over monies that are paid to your unsecured creditors (credit card and medical bills, judgments, deficiency debt, personal loans, etc.)
If your expenses change, we have the opportunity at any time to amend the budget plan. We could potentially reduce what you are required to pay to the unsecured creditors to provide more money for living expenses as your needs and expenses change.