Must a borrower’s monthly payments to third parties be fully-indexed when determining the borrower’s debt-to-income ratio?

http://www.maine.gov/pfr/consumercredit/rules/TangibleNetBenefitRule.rtf) requires a creditor to consider both secured an unsecured debt payments in calculating ability to pay, but permits that creditor to rely on reported monthly payments to other creditors. Creditors are not required to attempt to fully index payments that may be due to other creditors and that may adjust upwards in the future. (See also Advisory Ruling #113.

http://www.maine.gov/pfr/consumercredit/advisory_rulings/AR113.

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