I'm in the process of filing all past due tax returns for both State of Ga & IRS. I'm considering filing chapter 13 bankruptcy. However, because my tax returns have just been filed they don't fall within the 3 year, 2 year or 240 window. Question one would be do I need to wait until all my tax returns have been processed and assessed to file bankruptcy?
When factoring in my disposable income by taking into account IRS standards of living and then comparing it to what I could pay into the plan over 60 months, I wouldn't have paid enough to cover all my priority tax debt & secured debt (car). Are the interest and penalties to date considered unsecured such as a credit card or will they have to be paid in full through the plan?