New here - Question re: minimum payments to cc and charges to card before filing

[Pizza]

No deficiencies in home values are NOt for the faint at heart but I'm also NOt the first in this nation to come across it. As far the tax consequences, I would likely fall under the Mortgage Forgiveness Debt Relief Act ... http://www.irs.gov/individuals/artic...179414,00.html
I plan to surrender the house but it's already in foreclosure.

As for the friend who is subletting, I will have to amend my financal statement, etc to include that income. My mother helping pay for my car is not a gift - it's just her helping and this will be made into the amendment as well. I'm sure I will not be the first who gets help from family to get by.

And as for $100k in NYC for a single person... if you've never lived here you don't know what the cost of living is so please don't judge. A tiny 400 sq foot studio costs $2500-3000 a month. That is the cost of my mortgage alone... how I have floated all these expenses for the past two years is beyond me but I've managed to do it - mostly paying from my savings, some help from mom...Like I said if I didn't have this help and the rental income, I would be operating in the negative every month... foreclosure would've happened sooner and I'd probably be worse off.

Your tone, Pizza, is really not helping.

I wasn't trying to judge or criticize, if you filed pro se and you get through successfully, that's great (and cheap). No, I didn't think about the expense of living in NYC; here, $100k is far above the median even for a family of four or more; and none of this is relevent anyway.

My concern was that you sounded worried about presumption of BK fraud and filed pro se; this is because if you do need to retain an attorney mid-filing, most of them will avoid a case that was filed without legal help. If I offended you with my input I apologize.

[backtoschool]

I wasn't trying to judge or criticize, if you filed pro se and you get through successfully, that's great (and cheap). No, I didn't think about the expense of living in NYC; here, $100k is far above the median even for a family of four or more; and none of this is relevent anyway.

My concern was that you sounded worried about presumption of BK fraud and filed pro se; this is because if you do need to retain an attorney mid-filing, most of them will avoid a case that was filed without legal help. If I offended you with my input I apologize.

Your input is always very helpful to me Pizza