New here...just wondering if anyone has any ideas on my situation. First of all, when we filed the chapter 13, in May, we had no idea they would UP my auto payment (from $438 to $445) insane??? Also, after our first payment, they upped the pymt. $100.00. So, now we pay $680 a month and would have been much better off to just voluntarily surrender the vehicle we let go back, and not filed at all. My attorney's office is not much help. When I contacted them telling them we could not make the payment and feed our kids, they called us in to talk with the paralegal and she said we were there to discuss a "conversion"...My husband and I were like "A what??"
Anywho, we need desperately to keep the house we live in...NO EQUITY I might add. My mom lives with us and we have three small children and it is big enough. However, if we do the conversion, we were told we would have to pay what we were and are behind on the house to reaffirm. (Around $4000) Well, everyone knows if you just filed BR you don't have $4000, lying around. So, my question is: is there any way to get $4000? We have no credit, can't borrow from anyone???
OR we mentioned letting the other car go back ($440 pymt one) but they said we could only drop the insurance and the process of repossession would TAKE FOREVER>>> any advice???
thanks!
Anywho, we need desperately to keep the house we live in...NO EQUITY I might add. My mom lives with us and we have three small children and it is big enough. However, if we do the conversion, we were told we would have to pay what we were and are behind on the house to reaffirm. (Around $4000) Well, everyone knows if you just filed BR you don't have $4000, lying around. So, my question is: is there any way to get $4000? We have no credit, can't borrow from anyone???
OR we mentioned letting the other car go back ($440 pymt one) but they said we could only drop the insurance and the process of repossession would TAKE FOREVER>>> any advice???
thanks!