So, i spoke to an attorney today. Much to my surprise, my husband and I are over the median income by about 5,000. I am the only one who is filing and am nowhere near the median income, but unfortunately it doesn't matter. I am terrified to file ch 13 because i won't be able to afford the payments. I am currently about 44k in cc debt. Does anyone know how much my payments will be? I feel stupid asking the next question, but my husband has a car payment...they can't touch the car if he doesn't file, correct? I am new to this and am trying to weigh my options. I thought i would be free and clear to file ch 7...now i am even more of a wreck than i was before. Does anyone think i still have a shot at ch 7? Thanks in advance

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