Hopefully we are filing just in time then. Not that we had any plans to make this situation worse. We haven’t used credit since December or January.

So unsecured debts like student loans are included in that max limit even if they aren’t technically part of the bankruptcy?
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$250,000 in credit cards and personal loans
$102,000 in student loans
$40,000 auto loan
$350,000 remaining on our mortgage

I just had to tell SOMEONE these outrageous numbers. I told my husband that as stupid as I feel for going this much into debt, what kind of morons...

I am such a ball of stress trying to gather the documents for our Chapter 13. I'm going through our Bills spreadsheet to try and get latest statements for all of our creditors. Of the accounts I can successfully get into (forgot username, forgot password, forgot account number, can't reset username...

Good for you! We are just about to start here. I joined this forum for support and help working on our expenses. Our car and house won't be included, but I do believe our financial counselor is going to try and have us pay down my car even while in 13. He is kind of an extremist, but I guess we need...

Thank you everyone! Most people haven’t heard of chapter 13 bankruptcy so I can only imagine the education I would have to give every single friend I chose to tell. I have one friend who has had every job in the world so thinks she’s an expert on everything. She worked at a bank (for 3 months) 😂....

Hi everyone, new here! Married couple with two kids (4 and 1), single income. I was working until January, when our infant kept getting sick in daycare and we realized with the cost of daycare and transportation, it didn't even make financial sense for me to keep working. So I will probably be staying...