My wife finally was laid off today, and tomarrow I will have my attorney file a motion to suspend for 90 days. I was wondering if we should have are 13 amended to lower are payment, or wait 4 months and be under the 7 means and file a 7. Calculating with are current income are payment would be 1000 dollars less than when we filed, as our income has been reduced by over half even before the layoff.
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Wait...have the payments suspended, if after 3 months your wife cannot find employment, then you have change in circumstances that can justify conversion to a 7 (assuming you want to do a 7). -
We live in a area where there are no jobs, I don't see her finding a job anytime soon, unless she works for minimum wage and partial unemployment. If we have a late payment on are mortgage, will we be dismissed on are current 13. She will not get unemployment untill end of March at the earliest, and the mortgage will be a week late looking at are checkbook. I don't know what the Bk trustees expect when people go through these situations.Originally posted by HHM View PostComment
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