Scared,confused, and this is just the beginning?

[cloudship]

Where did you find the schedule for the 341 meetings?

[The Big B???]

http://www.nyeb.uscourts.gov/

For those in NY

[bmarie]

I'm reading up, too

Thanks for sharing the information you have received from attorneys. I believe I need to meet with one myself, but like you, have no particular love of the creature.
I'm a single mother of three teenagers. My income is good (on paper). However, I live from check-to-check on a regular basis. My house is very expensive to maintain, and I can't repair things when they break. I'm considering 7 if I'm eligible, as my credit is ruined anyway now, and I can't stand to answer the phone or the door. Does anyone else identify?
Does anybody understand what it means to have a $125,000 limit on mortgage exemption? I'm mortgaged to the hilt, and certainly don't want to lose everything and still owe the mortgagor.
Thanks everyone, and good luck.

[Ladylue]

Hang in there

Yes, I do know where you are at. I have always paid my CC on time. Of course, to do so for the last several months has meant that I have pulled myself down to a bare bones budget. Finally, after reviewing all of my options, and realizing with a student loan coming due soon upon my graduation, and an majorly upside down car, my best option, was a Chapter 13.

So....since I have to do the 90 days, I am doing the dreaded phone off the hook. It eats me up. Once I see them on the caller ID my lawyer writes them a letter. Because my income is good, my unsecured creditors will get a large portion of their money back. Its just that I need the "cram down" of a !3 for my car, and for my CC debt to be reduced, as the interest is killing me.

I just so want this over.

Good luck!

Lue