Tired, confuesed, and at a loss.

[daisey]

I thought things were good, then today I check the pacer......order to change payroll deduction...........48 dollars more per week, not great but not a big deal eithor. I did call the attorney because they allowed the claim to capital one, which was discharged in a prior chapter 7. Well he told me to not worry about it and pay it. I said ok, since the payment is something we will be able to manage, he goes on to say yeah for the first year then we will see if you can manage it, once it changes to accomidate for the house. WTH He went on to tell me that if it takes every penny we have to pay the difficient balance on the house they will take it. I stated that I was under the impression all we had to pay was our disposable income.........He said yes till the mortgage company submits a deficient balance. I spoke with them before this surrender and they told me not to worry, it wouldn't be an issue. Now all the sudden it is...........HE said we would have to quit a job and do a 7 in 8 years again, but not to worry about that till next year. I am so confused........Husband is the one who would have to quit his job as me quitting wouldn't make a difference at all other then 5000 a year. He cannot quit his job, he is our main provider. HE is one of 2 main lawyers at a small branch, mostly we have worked with the paralegal. HE went on to state that with the way we wrote up the petition we had to pay back 100%, or rewrite it and start all over again. Can anyone help me with any advice on this, was he just being a jerk and in a bad mood, did the paralegal possibly write it wrong, if so why would we have to go though all this again, its not fair to us. I am about 50% sure they won't take 100% of what we make, but what if he is right.

[CATCHMEIFYOUCAN]

I dont own a house. But being single I worked 2 full time jobs for about 10 years. My salary with 2 full time jobs ranged from $55,000-$65,000 a year depending on overtime. My lawyer from the get go suggested I quit one job and file for Ch7 as that would put me below the Means for the State of Va. But I insisted it would be wise to file with a Ch13 since my credit card debt was mostly do to gambling, at least it would look like I was being honest in trying to pay back the creditors. Come the 341 meeting, the trustee practically wanted all my earnings from one of my jobs for the next 5 years! No way, I had a choice, quit one job, fall below the means and convert to Ch7, PAY NOTHING or continue in a Ch13 cell for the next 5 years! My lawyer said I'd only have to quit for a couple months than I could do what I want. IT MADE SENSE! But you have to way out your checks and balances I guess and think about your situation, as each case is different.

Best of Luck, CMIYC