After much debating with myself, endlessly weighing out my options over the past few months, I finally went to the attorneys office and paid the filing fee and handed in my paperwork yesterday. All they needed up front was $316 ($276 filing fee and $40 for the credit counseling). I have my final meeting with the attorney Friday and they told me that they will file that afternoon.
It looks like I'll be in it for 36 months, with the payments at around $220. They told me that they always tell their clients to prepare themselves that the trustee may hike that up by almost $60 or $70 dollars depending. I'd be okay with that but they assured me that their initial proposals are usually accepted.
I'll post an update after the meeting on Friday. Any tips or suggestions for a successful 341 would be greatly appreciated. I must admit, I slept pretty good last night. Ironically, my phone is ringing right now from an 803 area code creditor collection dialer. I'm sure that will all stop soon.
-- $34,850 cc debt
-- $5,500 tution debt (the Univ. had to pay back Sallie Mae loan on my
behalf so it will be treated like a Student Loan)
It looks like I'll be in it for 36 months, with the payments at around $220. They told me that they always tell their clients to prepare themselves that the trustee may hike that up by almost $60 or $70 dollars depending. I'd be okay with that but they assured me that their initial proposals are usually accepted.
I'll post an update after the meeting on Friday. Any tips or suggestions for a successful 341 would be greatly appreciated. I must admit, I slept pretty good last night. Ironically, my phone is ringing right now from an 803 area code creditor collection dialer. I'm sure that will all stop soon.
-- $34,850 cc debt
-- $5,500 tution debt (the Univ. had to pay back Sallie Mae loan on my
behalf so it will be treated like a Student Loan)
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