Confused

[2Bfree]

Hope everyone is doing well. I am in a delima on what to do...Chp. 13 seems depressing as heck as well as any out. I don't owe that much regarding unsecured debt, maybe around 15-k give or take. The IRS is an issue - 30-k. I don't own any assets except my truck (paid for), 99 f150. my questions are below and any other input would be great.

1. Offer in compromise w/IRS and alternatives to the other debt.
2. What happens to the unsecured debt if you do nothing.
3. Can anybody recommend an att. here in Tampa?
4. Any other advice would be great!

Thanks and glad this forum exist!

[HHM]

If the $15K unsecured debt is "not that much", why would you consider not paying it? In any event, if you don't pay on unsecured debt, the accounts will go into collections (hence all the phone calls, letters etc), and then eventually legal action will be taken (usually that takes around 6-18 months before legal action is contemplated by the creditors). Which means eventually you will be sued.

As for the IRS, at some point you need to do something about that. Given the few facts you provided, and offer in compromise is probably the way to go...but you should really hire someone to help you with that. An offer in compromise is about as complicated as filing BK.

[beam14]

Lawyer

I am in tampa as well and just started my case. I know a great lawyer but not sure I can send it on this site. If you send me a e-mail at [email protected] or a private message here I will send you the info.