Chap 13 Finally Filed

[missy42]

So I've been back and forth on filing a ch 7 or 13.  After waiting almost 10 month finally filed 13 yesterday as I didnt qualify for a ch 7.  Happy with my decision to keep my home (VA Mort).  I will keep posting and update on progress and of course try to learn as much as possible.  Next step is getting plan approved.  Not much info about Chap 13 rebuilding so I guess its not important for 5 yrs but I follow other post and try to learn, I'm nervous but determine.  Payments willbe automatic and include all secure creditors.  Thanks for all the previous words of encouragement!

[medicgrrl]

There's really not much on 13's. Mine was discharged last September and the one thing I wish I had done is to start my rebuild before discharge. Although, I learned a lot by not using credit for 5 years so I guess some good came from waiting.