Greetings ~
I met with an Attorney during December that said I didn't qualify for CH7 because I'm above the median income for a 1 person household ($800 per month over and with my OT during the past 6 months it's higher) I've read that is not always the case. What basis would allow me to file CH7 in lieu of CH13 with a higher income?
Also, I'm waiting as long as I can to file because I earned a lot of overtime on a project during the past 6 months and I'm trying to get to a point my gross earnings are more realistic. I currently am not authorized any more OT as I transferred to a new department.
I fall in the Western District of Virginia and would like to consult with an Attorney that is really good - anyone have a referral? I paid $250 for a consulation and was with him for 2 hours. I've learned more on this site than when I was in his office...such as considering closing bank accounts so my money doesn't disappear from creditors and receive paper payroll checks and not direct deposit. There are certain strategies I need to consider.
Another quick question...I am on title to our home (we are not married) I don't want the house, we are separating. My BF is filing CH7 and is considering giving up the home as well - how long can we live here and not make the mortgage payment - when the BK is discharged or when we file? I hope someone will rent to me and I can afford rent after the BK. I fear CH13 will not allow me to eat. I'm really afraid and I'm looking forward to a full nights rest.
Thank you
I met with an Attorney during December that said I didn't qualify for CH7 because I'm above the median income for a 1 person household ($800 per month over and with my OT during the past 6 months it's higher) I've read that is not always the case. What basis would allow me to file CH7 in lieu of CH13 with a higher income?
Also, I'm waiting as long as I can to file because I earned a lot of overtime on a project during the past 6 months and I'm trying to get to a point my gross earnings are more realistic. I currently am not authorized any more OT as I transferred to a new department.
I fall in the Western District of Virginia and would like to consult with an Attorney that is really good - anyone have a referral? I paid $250 for a consulation and was with him for 2 hours. I've learned more on this site than when I was in his office...such as considering closing bank accounts so my money doesn't disappear from creditors and receive paper payroll checks and not direct deposit. There are certain strategies I need to consider.
Another quick question...I am on title to our home (we are not married) I don't want the house, we are separating. My BF is filing CH7 and is considering giving up the home as well - how long can we live here and not make the mortgage payment - when the BK is discharged or when we file? I hope someone will rent to me and I can afford rent after the BK. I fear CH13 will not allow me to eat. I'm really afraid and I'm looking forward to a full nights rest.
Thank you
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