i know it sounds scary, the word BK. but sometimes, it is just a word. if everything you told us is right on, then then a lawyer basically is your next step. bring everything you have to him or her and expect an hour at least to talk to him regarding disclosures. nothing is gonna happen if you don't see one.
sometimes, all it takes is a fresh start to get us back to our senses. the required financial classes are really helpful should you decide to file. pay special attention to the financial management class after filing SHOULD "YOU" DECIDE to file.
at this point in your life, scores doesn't really matter now, just getting your life back on track.
with the help of this board, i think my scores are better now than before i file for chapter 7 last year. 648/650/674. but my case might be significantly different than yours, plus i will have many items fall off my report next year. so i keep hoping. but when i was going through BK, the last thing on my mind were scores because the agony of a huge debt weighing me down, all my money going into my debt caused by my stupidity when i was younger, being financially responsible that no one taught me how to be, lol. i wish i knew about all this when i was in my early twenties, lol.
Message Edited by whoisjohngalt7 on 02-17-2008 03:24 PM