I am so desperate, all the money goes to bills, which of course we spent easily enough. This pay check (every 2 weeks) we will have $40 for food and gas, if we pay everything due....Can I just pay on home and auto's and forget the rest, and how long will that take for the creditors to start in?
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If you've decided that BK is the way for you to go, then there's really no sense continuing to pay CC's payments.
Be sure BK is what you need to do. What will work for you.
Maybe before you take the plunge, have a chat with a Financial Counselor. Looked at DMP options from a reputable, DOJ approved agency.
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
Schedule 2-3, maybe 4 Consult appts with different BK attnys. Get their perspective on your situation.
Make an informed choice.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...
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