Consumer Bankruptcy Law and Practice: 13.4.5.3.2 Deduction for secured debts
The debtor may deduct the average monthly payments due on secured debts.201 This amount is determined by taking the sum of (1) the total of all amounts “scheduled as contractually due” to secured creditors in each month of the sixty months following the date of the petition,202 and (2) any additional payments to secured creditors that would need to be paid under a chapter 13 plan as described below.203 This total is then divided by sixty to determi