Help with chapter 13
I am new to this forum so please forgive me if I post this in the wrong place. I filed Chapter 13 on 5-13-08 in attempt to save our home going through foreclosure. We reached out first to the lenders who refused to assist with modification. We were working on one income since I lost my job.
Now after making a little over $27k payments to the trustee, we are struggling to keep the payments of $4500/month. My husband hours have been cut considerably. I only the other hand is working purely on commission that is a hit and miss. I have actively search for jobs but is getting no results. We barely are able to keep food to feed ourselves and the kids with his income. My son stopped college when we filed BK so that he can get a full time job to help keep us afloat. His job is now getting ready to lay off people and his hours have been cut as well.
With all said and done, we are afraid that a dismissal is around the corner. We are already late on our Trustee payment for January. I made attempts to call our lawyer to advise of our financial situation but are not getting a call back. Is there anyone here who can make a suggestion on how we can best handle this. We are really afraid to lose our home. We have two other young children and nowhere to go if we lose our house. Please give us a little "light at the end of the tunnel". We are in California.
Now after making a little over $27k payments to the trustee, we are struggling to keep the payments of $4500/month. My husband hours have been cut considerably. I only the other hand is working purely on commission that is a hit and miss. I have actively search for jobs but is getting no results. We barely are able to keep food to feed ourselves and the kids with his income. My son stopped college when we filed BK so that he can get a full time job to help keep us afloat. His job is now getting ready to lay off people and his hours have been cut as well.
With all said and done, we are afraid that a dismissal is around the corner. We are already late on our Trustee payment for January. I made attempts to call our lawyer to advise of our financial situation but are not getting a call back. Is there anyone here who can make a suggestion on how we can best handle this. We are really afraid to lose our home. We have two other young children and nowhere to go if we lose our house. Please give us a little "light at the end of the tunnel". We are in California.
Bankruptcy Wizard
Comment