I paid $2500 for Ch 13. My previous vehicle was outside of the plan and I continued to make payments.
My attorney told me I didn't qualify for Ch 7. Whether or not that was the truth I'll never know... But he was a solo practitioner with a very good reputation.
Here we are 5 1/2 years later and I am happy with how things have turned out. I may have spent 4 years paying for everything in cash but the experience had helped me be much better at managing my finances... and all the IIB accounts and public record fall off my reports in 2016 rather than 2019.
Rebuilding has been super easy too... Much less difficult than what I've read from Ch 7 filers.
My attorney told me I didn't qualify for Ch 7. Whether or not that was the truth I'll never know... But he was a solo practitioner with a very good reputation.
Here we are 5 1/2 years later and I am happy with how things have turned out. I may have spent 4 years paying for everything in cash but the experience had helped me be much better at managing my finances... and all the IIB accounts and public record fall off my reports in 2016 rather than 2019.
Rebuilding has been super easy too... Much less difficult than what I've read from Ch 7 filers.
Thanks. While I don't want to get ripped off, I would rather pay more and feel like I'm in good hands. My husband on the other hand wants to go with the cheapest option. But I've finally persuaded him that we need help, so at least we're moving in the right direction.
I know I shouldn't rush to select an attorney either, but I have to admit I'm not sure how to proceed without one. I've very stupidly kept up the payments even though doing so meant there was nothing left and I had to keep using my credit cards. So far I've been advised to stop making payments asap but only once I have an attorney, and I'm days away from payments being due. I'm really feeling desperate to get the ball rolling.
EX 695, EQ 703, TU 681 (1/17)
I have no doubt I'm filing, and I'm thinking I should stop making payments. But I'm concerned because if I can't convince my husband to get on board relatively quickly we'll soon be at risk of being sued. From what I've read it seems they don't wait very long to take legal action anymore, and I don't want to add a judgment or wage garnishment to our long list of troubles. I think we should just file and get it over with. He would prefer I handle it myself or find the cheapest help available. I hope we can get on the same page.
Thanks. I don't think I'll keep throwing the money away. I'm going to need it to pay the attorney and file, hopefully very soon.
Thanks. I don't think I'll keep throwing the money away. I'm going to need it to pay the attorney and file, hopefully very soon.
You get what you pay for... You have enough stress. Find the right attorney and let them handle it... You'll sleep better. I know I did.
Thanks. I'm going to try to get the ball rolling tomorrow if I can get an appointment with the attorney. I just want this to be behind us.