I have already consulted a lawyer and gave a deposit. I have not turned in my paper work yet to file. I am stalling b/c I don't know what to do.

I am 6 mo behind on my mortgage. I have a lein on the house from the HOA. I lost my job a year ago and I am trying to find another. I am also self employed.

The lawyer told me that I am eligable for both Chapter 13 & 7 it is up to me.

I put 20% down on my house, in 2006 our life savings. The house is upsidedown. I would not be able to sell it for what I owe the bank.

If I want to keep the house I have to file 13.

If my business suffers any more I would not be able to pay the mortgage, in a chapter 13. I dont know. If I land a job soon I would be able to pay mortgage.

My question is that if in chapter 13, could it be converted into 7 if my circumstances change (get worse).

I am so broke. I cant even go to a doctor if I am sick, health insurance was lost, could not afford to keep cobra.

Sometimes we are running out of food & Struggling to just keep our untilities on.

I never expected to end up like this. I am afraid of ending up homeless, in the street.

If my children get sick I would have to go to the ER. I have no $ left. I used up my 401K. All my credit cards are maxed out.

My husband does not want to lose the house he wants to keep it. Our quality of life is not good right now to say the least. I don't have any luxuries to cut back on to lower my living expences.

When I bought my house I was able to afford it. After I lost my job I started living on credit. I did not think this would happen I thought that I would be able to get a job right away.

I was offered a job and might be starting next week. I had to sign papers for them to check my credit & background and I took a drug test. I don't know if my job offer will be off the table if they run my credit.

Does anyone have any advice or suggestions?

I just cant seem to figure out what to do.

I am so ashamed, sometimes I wish I could just die. All I want to do is work and pay my bills and provide for my children. I feel so useless.

I understand that no one can be held responsible for any advice given to me.

Thank You for any advice you can give.