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met with ch 13 lawyer yesterday

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    met with ch 13 lawyer yesterday

    he said a Ch13 would be fine
    he said we could wrap by my cars (including late payments) with my late mortgage payments with my credit cards
    payment would be about what we are just paying for the cars alone
    mortgage and real estate taxes will be paid as normal.
    He also said that any commissions made from my job in the future are gravy- they could be used to pay off the 13 quicker- they only base things off my past 6 months income
    we need to get some paperwork together before we file hopefully the first week of Feb
    soon the calls from collectors will stop and my wife and I will be able to sleep at night

    #2
    I'm assuming you'd be doing a 100% payback?
    Filed 07/07, $120k unsecured debt
    Plan: $400 (includes cram down) 60 months
    Brilliant attorney, decent trustee, awesome plan

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