OK I need your help!

[philslyn]

What if i earn about 7k a month. and has 450k house that im at right now, been behind 2 months. And i have about 3 more other houses that is worth 1 million. Id like to keep my car and my husband car. plus the house that was 950 before and now 450 value (market right now)
I am just wanting how can i get discharge with about 2 million debts deducted my 450 houses and cars.
Im willing to make my payment for my cars and house. just my credit cards and the other houses that i cant make the payment any longer.
banks dont let me forclose them. pushing me to pay.
i received a notice of default 2 months ago from my other house. but thats about it. i went to a lawyer and i took the MEANS test and im eligible for chapter 7 but my lawyer was saying about loan mitigitaion.
i am so lost and we have not doen anything so far.
as we are having difficulties to file bk on my 3 other houses, plus credit cards
Does anyone outhere was in the same situation and was able to resolve it.
All i want is to keep my house and cars and be able to discharge my credit cards, and 3 other houses. im willing to make payment on my house and cars. Just not the 3 other houses and cars.
HELP HELP HELP
Thanks! A bunch!

[JRScott]

Okay first off please use paragraphs and proper sentences it really helps understand what you are needing.

You don't really provide enough information above to give adequate advise.

Is the 7k per month gross income?
What is the equity you have in the home you wish to keep?
How much equity in the vehicles you want to keep?
What state do you live in?
How many in your household?

[philslyn]

Ok

First thank you..
7k Take Home. Equity no equity in all of them.
not even the one i want to keep but im willing to pay the one i want to keep.
CALIFORNIA IS MY STATE
i have me and my partner. plus 3 kids. and my brother in law and his wife.
I went to see a lawyer but he doesnt seem to be helpful
he mentioned something about loan mitigation
I am tired of being bug ( which i know its my fault)
However i used the equity from all other houses to put down payment in all them. and rent it out. no can rent now/. so my wage is not enough to cover all of them/
My salary is enough to pay my house, utilities and cars.
I am using credit cards for other expenses.
I reallly dont care anymore to lose the 3 houses and clear my credit cards with Bk. Thank U so much!

[DaisyMae]

You have to be recent on your house payment to keep it.

Let the others foreclose, just stop paying on them and your credit cards. Mitigation, I'd think he is saying that since your own house has lost so much value, that lender may reduce your loan, etc- there's not much sense in making paying on a million dollar loan on a house worth only $400,000- but with your situation I doubt your lender would help- you need to be delinquent to attract their attention, at the same time be current to keep the house and file BK. Why don't you just get rid of that white elephant, and be a renter? And you can't include your brother and his spouse on your means test, if that's the reason you mentioned tham as being in your household?

[philslyn]

Thanks DaisyMae and JRScott The lender dont want me to foreclose them. So shud i just keep paying on my house that i live at, and the cars i am using. And simply stop using my credit cards and dont pay them including the other 3 houses.
I took the means test and i passed it for chapter 7. and all i wanted to do is to just get rid off of my 3 houses and credit cards. and just keep the house (400k) (used to be 950) and my car for myself and my spouse. But My lawyer said the lender will try to lift the automatic stay. if we file the bk I have no idea about what the lawyer saying about mortgage or loan mitigation, and my lawyer seems hopeless to help me.
I have no idea really what to do.
thanks a bunch guys.
From california who desperately wanna file Bk and be discharge.