wait 6 months to cram down?

[more$moreProbs]

My husband's car is worth 10k less than the balance of his loan but we are 6 months away from being able to take advantage of the 910 rule to cram down on it.

Being it is a hefty chunk, do you think its worth waiting 6 more months to file? We are in a position where we could probably keep up with our min payments on our cc's for 2 or 3 more months only.

We've chosen a lawyer and will meet with him tomorrow morning. This of course will be one question I do ask him.

[woeisme]

Do you anticipate any changes to your income or expenses in the next 6 months, if not, then I'd say wait. Even if you couldn't do your minimum payments, it's unlikely that your creditors would be aggressive enough to come after you for a judgement so quickly. Let us know what your lawyer thinks, but as long as it doesn't put you into a position where you'd have to pay more because the 6-month lookback would include more income or something like that, I'd say wait to get that 10K crammed down.