it is starting to look more and more like i might be forced into a 13, instead of a 7 due to excess DMI....
when the lawyer first told me that i qualified for a 7, i quit paying my credit cards... i had 6 totaling 35000 bucks....
i refuse to go into a 13 and am thinking about other options, like making a deal with a couple of CCs with small balances, to reduce the number of dogs on my trail....i will admit, that since i gave my lawyers number to the CCs, not a single phone call...
my main concern at this point, is state farm bank... i owe them about 3k bucks and have my auto insurance with them... i have read other posters who had BKd state farm and kept their insurance....
even though i have a perfect driving record, i still pay substantial premiums but have been treated pretty fairly by SF....
ya think i should try and work a deal with SF bank for the sake of my insurance? im 3 months behind..
when the lawyer first told me that i qualified for a 7, i quit paying my credit cards... i had 6 totaling 35000 bucks....
i refuse to go into a 13 and am thinking about other options, like making a deal with a couple of CCs with small balances, to reduce the number of dogs on my trail....i will admit, that since i gave my lawyers number to the CCs, not a single phone call...
my main concern at this point, is state farm bank... i owe them about 3k bucks and have my auto insurance with them... i have read other posters who had BKd state farm and kept their insurance....
even though i have a perfect driving record, i still pay substantial premiums but have been treated pretty fairly by SF....
ya think i should try and work a deal with SF bank for the sake of my insurance? im 3 months behind..
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