LTrain823 wrote:I am meeting with a ch. 13 lawyer in friday. The first lawyer i spoke with said he doesnt do chapter 13's so he referred me to someone else.Be sure you bring all your questions. Write 'em down. No matter how stupid or trivial it may seem. Get a composition notebook--one of those black and white cow looking ones with pages you cannot rip out, at least not easily. Make notes, jot down questions. Use it for your BK and nothing else.Be sure to ask about the differences and advantages/disadvantages of BK7 versus BK13. And be sure this lawyer does both BK7 and BK13.I think if you can get qualified for a BK7, I'd go that route. Some who post from the pulpit will probably preach the evils of BK7. You ain't gonna hear that from me. I say if you're in too deep, and you can get a BK7, take it. You're out from under the thumb of the debts completely. Fresh start and all that. It's sorta like going "cold turkey" whereas BK13 just weans you off by cutting down "to a pack a day".Is the goal to show as less disposable income as possible?Question #1 for the notebook for the lawyer...What happens if i have used a lot of credit cards in the past 90-120 days?Just be honest with your attorney about why you used the CCs....I know I know, please spare me the preach...If i owe many friend and family money will the trustee let me use the tax return check to pay them back? Does it make sense to wait until i get my check before i fil bk?...I spoke to someone yesterday who told me that his lawyer told him that they will not touch his house and then 6 months later the mortgage company forced him to forclose...that worries the hell out of me!!!Did this person self file or use a lawyer?