I want to file bankruptcy because the bank is foreclosing on an investment property and I don't want to be stuck with a judgement as I am a guarantor on the loan. But I have no credit card debt or any other kind of debt. I want to surrender the property in the bankruptcy. I make way too much for a chapter 7. So I have to file a chapter 13. But as there are no credit cards etc to pay, is there any reason I should have to pay a 60 month plan of money to the trustee? The only thing I want to do is surrender the property and discharge my obligation as guarantor. I went to one lawyer who said I need to file a 60 month plan and pay something but she couldn't explain it so I could understand it. Why should I have to pay if I don't have any debts or creditors?