Why is CH 13 so much harder than CH 7? In CH 13 at least you are repaying some of the debt. My creditors meeting in CH 7 was no longer than 5 minutes and the trustee was very easy to deal with, if not too easy. There were no financial questions asked and we were discharged 3 months after filing.
Starting Score: TU 477 EQ 533 BK 1/27/2012