Ch 13 lawyer vs the Ch 7, very different approaches

[Stilltheone]

I'd strongly recommend you interview more attorneys. Some of the things the 13 guy said just don't make sense, at least to me.

"you can short sale your home, and be able to buy a new home a year later."

Exactly. You can't buy a home within a year...It's 2 years w/o foreclosures.