Hello! My husband and I are filing chapter 13, we have our meeting 341 on January 24
we had a lot of credit card debt and medical debt from hospitalization, we are not behind on car or house payments, we wanted to do chapter 7 but our lawyer said we would lose at least one of our vehicles most likely as well as some other items my husband uses for his second job ( trailer and trenching machine) so we went with chapter 13
our first payment to the trustee is incredibly high, our lawyer told us to pay at least half this month and he hopes and can’t guarantee, but is hopeful that this payment is going to go down after the meeting of creditors. I’m so scared. If all these creditors do show up and this payment remains this high? We’re not going to have enough to pay our regular bills and put food on the table. How likely do creditors from credit card places just walk away? I know the medical will probably want something. I’m just so scared I can hardly sleep. We’re in MN
thanks for any thoughts
we had a lot of credit card debt and medical debt from hospitalization, we are not behind on car or house payments, we wanted to do chapter 7 but our lawyer said we would lose at least one of our vehicles most likely as well as some other items my husband uses for his second job ( trailer and trenching machine) so we went with chapter 13
our first payment to the trustee is incredibly high, our lawyer told us to pay at least half this month and he hopes and can’t guarantee, but is hopeful that this payment is going to go down after the meeting of creditors. I’m so scared. If all these creditors do show up and this payment remains this high? We’re not going to have enough to pay our regular bills and put food on the table. How likely do creditors from credit card places just walk away? I know the medical will probably want something. I’m just so scared I can hardly sleep. We’re in MN
thanks for any thoughts
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