Would you mind me messaging you with some questions?
One of the biggest things right now that is preventing from filling chap 13 is the fact I wanna buy a house in the next 5 years...i need money to get the house...i need good credit...that all in all is gonna be hard with my current situation.
@Superk88, you might want to post your situation and questions in your own thread. You'll get better response to your situation if it were separate.
My rebuild worked for me, but won't necessarily work for you! BK7 D/C- 08/2013