Chapter 13 payback figures

[momofthree]

You're well under the median and you're not trying to save your home, so why are you going the chapter 13 route vs. a chapter 7? Have you considered settlement? At least one of my cards offered me a settlement of 25%, which for you would be around $3500. Attorney fees will probably run you $1500-$3500 to file bk, so settlement might be a viable option for you unless you owe back taxes or have a lawsuit against you or something....

[minibux]

Is there any way to get a general figure as to what we would have to pay back in a Chapter 13? We have $14,000 in credit card debt, as well as a car payment of $335/monthly that we plan on keeping. When I had my consult with the BK lawyer, he gave me NO idea of what it may be. I know that there is no way of knowing, but, just a ballpark figure so we can be confident that we can manage it and should proceed with filing.

The basics....we live on 42K yearly with 2 kiddos and rent will be right around $1100/monthly.

Help!