1st Day here. Although I am in tears I have learned ALOT thru your post.
We were told we could not file C7 because our income is slightly over medium for WA state. I am self employed and attorney told me ALL of my "sales" are considered income, they do not take into consideration expenses. (This is not right!!) When I take our actual income and deduct the "gov standard expenses" we are in the red (we got into a 15 yr mortgage 5 yrs ago that should have been 30yr, thats when problems started)
I do not know where we will get the money to pay the monthly payment to trustee. Currently I am not able to buy postage to mail stmnts for my clients and we can not make our mortgage for the month.
Should I reduce my client base to reduce my income and wait anohter 6 months to file. I am lost and very distraught that we are in this situation.
Thank you, in advance for your input.
We were told we could not file C7 because our income is slightly over medium for WA state. I am self employed and attorney told me ALL of my "sales" are considered income, they do not take into consideration expenses. (This is not right!!) When I take our actual income and deduct the "gov standard expenses" we are in the red (we got into a 15 yr mortgage 5 yrs ago that should have been 30yr, thats when problems started)
I do not know where we will get the money to pay the monthly payment to trustee. Currently I am not able to buy postage to mail stmnts for my clients and we can not make our mortgage for the month.
Should I reduce my client base to reduce my income and wait anohter 6 months to file. I am lost and very distraught that we are in this situation.
Thank you, in advance for your input.
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