My husband and I have been separated since January 2009. We are not divorce because I have not been able to afford it. He does not provide child support for the kids on a regular basis; he works sporadically on low paying jobs so when he gives money it is not alot. The house is in both of our names though I have paid the mortgage alone for 7 years. I think he will give me check stubs or other info I need if I tell him I need to file bankruptcy to keep from losing the house. If the Plan Payment is based on his income too, I'm afraid I won't be able to afford it because I'm struggling now because the mortgage was based on 2 incomes to begin with and he hasn't helped in 7 years. My question is, how will the Plan Payment be calculated?