Possible?

[lesleydf]

The short story is...

Earn 148k annually

Owe- Unsecured $115 another 45k on three car loans

Home- recently appraised 120k underwater... awaiting loan mod (praying)

Two Kids- one severely physically handicapped and the other is a type 1 diabetic. (much debt is related to care and over indulgence- but thats another thread)

In california, really nothing of significance to show for debt...

I want to do this Pro Per... thoughts..

Oh and thank you for any insight.

[BobMango]

Hmm, looks like you're going to be over the median for the means test, but given the special circumstances involving your kids you may come out ok on Schedules I and J. Given that level of income you're going to get more scrutiny.

I would really recommend consulting a few attorneys before you decide to file pro se. The consults are free and you can get a good sense of how difficult it might be considering your income. Also, get the Nolo ebook on bankruptcy. I was all set to file pro se but after talking to a few attorneys I decided it was worth the price for the assurance. I paid $999 for the lawyer and $295 for the filing fee. That's on the low end from what I see here, but I have friends that used the same attorney and he comes highly recommended.

Many people are successful at filing pro se, but there are some horror stories. If you mess it up you can really put yourself in a worse position than when you started.

If you do go pro se and are planning on reaffirming the vehicles, you will have to get a judge to sign off on them since you don't have an attorney.

Good luck.

[rjones04]

as bob said, sounds like your income is really high and unless you go a complicated route forgot the wording, but the regular route of median income, you probably wont qualify for CH 7 and would have to consider a 13. Also, why not invest in a lawyer. Being your own lawyer is prudent in saving money BUT a screw up as bob mentioned could bite you severely in the butt!!!! Sometimes trustees can be very anal depending on who you get and anything filed incorrect, stated wrong, etc can be a red flag and potentially have your case thrown out.