anyone try credit card counseling

[helpsoneeded]

Anyone do counseling first to try to get out of debt? I dont really understand the difference from that as to doing a chapter 13. The one attoney i went to suggested that or do 13 with 1800.00 a month payback which is 100%. I cant afford to do that, it seems like bankruptcy isnt for the people that make an average income, it doesnt make sense... Thanks

[lrprn]

Anyone do counseling first to try to get out of debt?

Many here have tried debt management - here's two recent threads discussing it:

http://www.bkforum.com/showthread.php?t=16273&highlight=debt+management

http://www.bkforum.com/showthread.php?t=7285&highlight=credit+counseling+CCCS

Please search the forum before posting questions to see if your questions have already been answered before - thanks!

I dont really understand the difference from that as to doing a chapter 13.

You need to do more reading then:
Debt Management Plans - http://www.ftc.gov/bcp/conline/pubs/credit/debt.shtm
Ch 13 - http://www.uscourts.gov/bankruptcyco...chapter13.html

The difference will be obvious after reading these.

The one attoney i went to suggested that or do 13 with 1800.00 a month payback which is 100%. I cant afford to do that, it seems like bankruptcy isnt for the people that make an average income, it doesnt make sense.

Then interview at least 2-3 more bankruptcy lawyers in your area. Most give free initial consultations. And bankruptcy can help anyone with the right kinds and proportions of assets, income, and debt. Income isn't the deciding factor.