Does anyone here have experience with filing a Ch. 13 after being discharged from a Ch. 7?
Long story short I was in a traumatic car accident 3 months after our Ch. 7 was discharged in 2011. As a result I could not work for a while, and then ending up having to switch jobs and take less pay.
We are behind on our mortgage and it is looking like we may need to file Ch. 13 to save our home (renting in my area is more expensive than our mortgage, even if we downsized, so that is not a good option). I realize that we will not receive a discharge of any debts due to our Ch. 7 not being 4 years ago.
I was just curious as to how it all works after a Ch. 7 filing.
Long story short I was in a traumatic car accident 3 months after our Ch. 7 was discharged in 2011. As a result I could not work for a while, and then ending up having to switch jobs and take less pay.
We are behind on our mortgage and it is looking like we may need to file Ch. 13 to save our home (renting in my area is more expensive than our mortgage, even if we downsized, so that is not a good option). I realize that we will not receive a discharge of any debts due to our Ch. 7 not being 4 years ago.
I was just curious as to how it all works after a Ch. 7 filing.
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