Hi All,
So I finally decided to go BK, then finally decided to go and see attorneys so the work part of admitting is done. So this is my dilema now.
Lawyer #1 - If I want to get rid of the Heloc of 60K I have it will need to be 13, but she could not tell me what the judge will say I will be paying. so I say I could be paying 1K per month, she tells me she does not know and it will be up to judge.
Lawyer #2 - I did not feel that confortable with him, looked like sh does not have a lot of experience, but suggested 7 and keep paying my Heloc.
Lawyer #3 - OK this is where is gets interesting... Same says we are over the midian wish is true and the payouts could put me over 20K more.
So he paints it both ways, in 13, I get rid of Heloc and all CC debt about 120K, doing a $200.00 per month payment for 5 Years. or do a 7 get out of the cc only and keep paying the same 200 for the heloc.
He basically told me that I would pay base on the plan he presents, so teh other one tells me that is up to the Judge...
Hell I am confused here any care to chime in? Much appreciated.
So I finally decided to go BK, then finally decided to go and see attorneys so the work part of admitting is done. So this is my dilema now.
Lawyer #1 - If I want to get rid of the Heloc of 60K I have it will need to be 13, but she could not tell me what the judge will say I will be paying. so I say I could be paying 1K per month, she tells me she does not know and it will be up to judge.
Lawyer #2 - I did not feel that confortable with him, looked like sh does not have a lot of experience, but suggested 7 and keep paying my Heloc.
Lawyer #3 - OK this is where is gets interesting... Same says we are over the midian wish is true and the payouts could put me over 20K more.
So he paints it both ways, in 13, I get rid of Heloc and all CC debt about 120K, doing a $200.00 per month payment for 5 Years. or do a 7 get out of the cc only and keep paying the same 200 for the heloc.
He basically told me that I would pay base on the plan he presents, so teh other one tells me that is up to the Judge...
Hell I am confused here any care to chime in? Much appreciated.
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