I am sorry for jumping in on all your questions but gosh this is like yesterday for me. I did my bankruptcy before the new law about counseling but our lawyer did a budget for us before the meeting. BEEF UP YOUR BUDGET!!!!! We had extra for meds, food, etc, etc, with the guidance of our lawyer. If your really spend 6oo mo on groceries state 800.00. Make sure that you allow for any expenses! Of course as time went on we were really spending that much but I think our lawyer was considering cost of living increases. We were in it for a 5 year haul and had a sick child so I think he was protecting us. This is where making sure you have a good lawyer helps. Good luck....sorry to hear that you are going through this but time does pass quickly and it is nice not being harassed by Collection Agencies etc. OH BTW also at the meeting the trustee basically approves your budget and payment.