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    New to BK

    Ok maybe I'll feel better talking about this, plus I have a lot of questions!
    My husband had a spinal cord injury on Oct 09, lost his job Feb 10.

    I have been using CC to help us out. The plan is to file for Chapter 7 on 09/10. The savings and any extra money is gone now and I stopped using the CC's 06/15/10. I have also stopped paying them because I can't afford it. We cannot affford the basics, mtg, car payments, car insurance, food, elect, water, gas for transportation, etc on my income.

    I tranfered a car loan to a cc to bring the payment down in Jan/Feb which has not help though and I have stopped paying that also. We can't pay the mortgage this month. A cc company has debited my checking account when I told them to stop. We have filed for disability for hubby, haven't heard anything about it. We have applied for a remodification on the mortgage and have heard anything about that eight.

    CC debt is high. CC companies ar calling 10 time a day. We haven't been answering the phone calls.

    The paralegal I have been talking too doesn't offer much guidance. Haven't even talk to the lawyer. I am trying to fill out the paper work they gave me and that is kind of confusing too.

    Any advice, comments and suggestions are welcomed.

    Thanks

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