I meet with the lawyer at 4 pm today to file... after months of pondering and nail-biting. I'm way over the median income for my state, but my expenses are such that I qualify. I'll be letting go of my underwater home that I've been in for 11 years, which is $150+ underwater....

$300K...

I need your help if any of you can offer any help at all. Long facts, but basically here it is:

I filed 13 after being off work for several months. During that time, was late on both first and second. The past due amount was put in the plan, the mortgages were paid outside the plan (1st...