Hello all,
I've read several threads and finally decided to post. I am meeting with an attorney in two days to begin my paperwork to file chapter 13. I am so nervous about this and I'm so scared of what the payment is going to be. I work two jobs and my income is pretty decent. I have about $4000 credit card debt, $180 tax debt, $3600 in collections from old cell phone, medical and utility bills, $840 for two charged off bank accounts, $1606 in payday loans which are all illegal in my state, $1930 in installment loans with cash advance stores, $1585 installment loan with credit union, $1121 loan with a finance company which secured with a wage assignment and household goods which half I don't even have anymore, $14,553 auto loan and about $38000 student loans which are deferred because I'm back in school. So If I get this correctly my unsecured debt is around $15,000 and my secured debt would be my car amount and the tax debt. I bring home about $2100 a month maybe more depending on my part time job.
I've read several threads and finally decided to post. I am meeting with an attorney in two days to begin my paperwork to file chapter 13. I am so nervous about this and I'm so scared of what the payment is going to be. I work two jobs and my income is pretty decent. I have about $4000 credit card debt, $180 tax debt, $3600 in collections from old cell phone, medical and utility bills, $840 for two charged off bank accounts, $1606 in payday loans which are all illegal in my state, $1930 in installment loans with cash advance stores, $1585 installment loan with credit union, $1121 loan with a finance company which secured with a wage assignment and household goods which half I don't even have anymore, $14,553 auto loan and about $38000 student loans which are deferred because I'm back in school. So If I get this correctly my unsecured debt is around $15,000 and my secured debt would be my car amount and the tax debt. I bring home about $2100 a month maybe more depending on my part time job.
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