Hi, I am new here. I went to a lawyer today, but he didnt seem to intrested in my case. He said he would not help me if my husband doesnt file too. He has alot of debt, but he just doesnt want to do it. He also said that with both our income together, which is around 95,000 we would have to do a 13 with a payment plan of around 1800 plus our home equity loan of 600.00 We could never do that, no possible way. I told him I wanted to file alone and that when i took the means test i was in the negative because i added my husbands income, but then subtracted the money he does not contribute to the household income. He said i cant to that, i have to include all his income and that is now way i can a 7 . Is this true? I read alot here plus alot of books and research on the internet and to me this doesnt seem right. I have around 67,000 in debt and my husband has 39,000, thats unsecured debt. We live in the state of NY. We do a camper that we owe alot more then its worth, it is in both our names, and he said we would have to give that up to. Is that true...Please help!!!! Thanks alot
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