Hello, I have been reading posts on this forum and have decided to join and ask some questions.
We filed 13 in August, to beat the deadline for the new laws. We were trying to figure a way not to file however we needed to save one or our cars. We have some major medical bills(70,000 +) due to major surgery on wife and did not have insurance. we had no insurance as I worked parttime jobs to work around her school schedule. we had other bills as they did a little piling up during her time in school. After she graduated (RN). We were able to stay current on our current bills. The pas bills still were not being touched as I was going back to school(to be a RN also). We bought nothing new except for 2 cars about 6 months apart. 04 grand am and 04 pontiac montana. Everything was going fine, then last week get letters from AES. They advised that my loans were cancelled and I would not get any more while in BK. I called my attorny and he advised to call AES. I did this and spoke with a manager and she stated that would not get any while being in 13. I called my attorny and told him what was said and he advised us to convert to a 7. He also advised to let the Montana go back as owe more than it is worth. He also advise we could only raffirm or let it go back. Since school is messed up I have to wait a year to get back where I am leaving off, so I am going to work full time, so we can have another 1500 coming in. Any advice on what should or could be done with the cars, we really do need 2 cars. Disposable income right now is 0 and 0 in bank. We would really like to keep the grand am and will need to either keep van or get another car. Any and all suggestions and comments would greatly be apprecated.
We filed 13 in August, to beat the deadline for the new laws. We were trying to figure a way not to file however we needed to save one or our cars. We have some major medical bills(70,000 +) due to major surgery on wife and did not have insurance. we had no insurance as I worked parttime jobs to work around her school schedule. we had other bills as they did a little piling up during her time in school. After she graduated (RN). We were able to stay current on our current bills. The pas bills still were not being touched as I was going back to school(to be a RN also). We bought nothing new except for 2 cars about 6 months apart. 04 grand am and 04 pontiac montana. Everything was going fine, then last week get letters from AES. They advised that my loans were cancelled and I would not get any more while in BK. I called my attorny and he advised to call AES. I did this and spoke with a manager and she stated that would not get any while being in 13. I called my attorny and told him what was said and he advised us to convert to a 7. He also advised to let the Montana go back as owe more than it is worth. He also advise we could only raffirm or let it go back. Since school is messed up I have to wait a year to get back where I am leaving off, so I am going to work full time, so we can have another 1500 coming in. Any advice on what should or could be done with the cars, we really do need 2 cars. Disposable income right now is 0 and 0 in bank. We would really like to keep the grand am and will need to either keep van or get another car. Any and all suggestions and comments would greatly be apprecated.