Help!! Not sure what to do....

[StartingOver08]

I disagree. statue of limitations applies; By law collectors can no longer contact you. If they do, and they will, you can then file suit against them! Isn't this a great country we live in! Please explain how you got to the 20 year figure? You can call it what you want, but I'm able to live, not survive ,and not have the BK system tell me how I will live.

Actually, this is not true. The creditor/collector can contact you forever. What the SOL means is that you have an affirmative defense to the suit.

Also, you are assuming the creditors "play nice" and actually serve you properly to get a judgment. In my experience, there are a large number of bottom feeding CA's that do not play by the rules and get a judgment thru sewer service - suddendly your bank account is emptied or you have a lien on your property.

You are free to choose the way that best works for you. Most of us would rather just take care of the problem one time (BK) and then move onward and upward with our lives without dragging all the baggage with us.

[amjo30]

I filed chapter 13 because I wanted to stick to a budget while paying the debt I could and getting a fresh start afterwards. I too have young kids and I want to be able to afford their high school and college needs. By the time this chapter 13 is over, I will have a high school, middle, and elementary student. so, I see alot of needs in the future. It also appears to me that a CPA attorney will have to be paid the entire time he is helping a person dodge the bullets but the debt never gets resolved. So, when his services end, then you are back at square one. I think a 13 or 7 could work for just about anyone with the right type of lawyer.