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IN RE BRADY

No. 06-18922/JHW.

361 B.R. 765 (2007)

In the matter of Martin M. BRADY and Angela A. Brady, Debtors.

United States Bankruptcy Court, D. New Jersey.

February 13, 2007.

Attorney(s) appearing for the Case

Pamela A. Hulnick, Esq., Hackensack, NJ, Counsel for eCAST Settlement Corporation.

Scott M. Zauber, Esq., Subranni, Ostrove & Zauber, Atlantic City, NJ, Counsel for the Debtors.

Donna L. Wenzel, Esq., Office of the Chapter 13, Standing Trustee, Cherry Hill, NJ, Counsel for the Chapter 13 Trustee.

William Mackin, Esq., Woodbury, NJ, Henry J. Sommer, Esq., National Assoc. of Consumer Bankruptcy Attorneys, Philadelphia, PA, Tara Twomey, Esq., National Assoc. of Consumer Bankruptcy Attorneys, Washington, D.C., Counsel for Amicus Curiae NACBA.

OPINION

JUDITH H. WIZMUR, Chief Judge.

The debtors have filed a Chapter 13 plan that proposes to make payments for 36 months, primarily for the benefit of their secured creditors, with a de minimis dividend to unsecured creditors. An unsecured creditor and the Chapter 13 Standing trustee have each objected to the plan's confirmation. They contend: (1) that the debtors' future projected disposable income should be determined by Schedules I and J; (2) that...

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