Has anyone filed with very high credit card debt?

[eener]

Thank you! This makes me feel so much better. After researching chapert 13 I was shocked at how much I wasn't told by this attorney and had no idea how we would ever be able to make it through!

[daylate]

If what you say is accurate, unless your cc debt was for an around the world trip (or a brand new Maserati) right before you stopped paying, I don't think you got very good advice. And even then you could still be all right. People don't (usually) file bk with low amounts of cc debt. I'd check with a couple of attorneys for a free consult but to me it sounds like you are a candidate for a 7. Good luck.

[backtoschool]

Many people file chapter 7 with the amount of credit card debt you have. I am not sure why you received that advice, especially since you will pass the means test. I had 100k of credit card debt when I filed.

The legal fees for Chapter 13 tend to be higher so perhaps that is why you are being pushed into one, who knows.

[eener]

We have about $60,000 in credit card and lines of credit debt. Along with about $15,000 in medical bills. We were advised to file chapter 13, even though we would pass the means test because our unsecured debt is very high and might look suspcious (would cause an investigation for fraud). There is no fraud, but we were told everything would be looked through with a fine tooth comb and if 1 simple mistake was made it could cause a lot of trouble.

All of the $60,000 in debt is over 2 years old, we stopped paying on all of our credit cards in August 2009. The medical bills are more recent.

Any advice you have would be great - thank you!