Posted this in general by mistake

[trp4151]

I will try to keep this short. I filed a successful 13, fourteen years ago and things were great post 13. Life took a few unexpected turns the last 6 years or so and I have found myself back in debt. I have been robbing Peter to pay Paul just trying to hang on for the last year or so causing stress on the entire family. Good news is I have a pension and decent salary to support a 13 if that is the best option.
Unsecured debt=34,000
Personal Loan= 45,300
IRS =12,000 Monthly payment plan 155.00 a month
Personal loans will be paid off in 4 years if I continue
Two vehicles (wife and I) monthly is 650.00 and 345.00
Mortgage 2,100 monthly (little to no equity)
Pontoon Boat with lien (Owe 24,000) 298.00 a month (tried selling no luck, it needs some electrical work and other minor things) Once/if fixed it should sell for 40-45K

All debt in my name, nothing in my wife's name. I have 3 kids under the age of 18 and reside in MD

[justbroke]

I don't think the trustee will stick it to you, especially since the last Chapter 13 is outside both the credit reporting timeframe (7 years) and the 4-year Chapter 13-Chapter 13 and 6-year Chapter 7-Chapter 13 refiling timeframes.

I have no other real advice. I filed twice as well (8 years apart) and it was nothing special.

[trp4151]

Thank you !

[Carmella]

I am sorry to hear of your circumstances, but it will be good to get it under control and move forward.