The end of April will be the first time we have not been able to pay all our bills. We will focus on most important ones first. We Have an appointment may16 with BK lawyer. We are having to use one credit card still for gas & groceries because we have been paying others, just coasting by.
My son is graduating Basic Training and we had to put 3 flights on our over draft protection for around $ 600 total. we had to put $300.00 on the one cc we still use 4/14 for the hotel. After we stop paying the other cc's we will have enough cash for the retainer and food on the trip at the end of may. & will not have to use any of the cards any more. We can buy gas & groceries with the cash for stopped payments. I hate that we had to put the flights & hotel on the card & overdraft, but I dont want my son to know that we are in trouble financially. How will this affect us once we retain the lawyer seeing the 600 tickets on our checking overdraft 4/14? WIll it be held against us ina any way? I could not make the trip driving because I have heart failure and my legs would swell so bad I would be miserable once there.
Also, one more question...We have a first and second loan on our home worth more than the home im sure with the two combined. We want to keep the home, how does this work? which one will we most likely have to file 7 or 13? We are under the financial means.. So tired of robbing peter to pay Paul to stay a float...
My son is graduating Basic Training and we had to put 3 flights on our over draft protection for around $ 600 total. we had to put $300.00 on the one cc we still use 4/14 for the hotel. After we stop paying the other cc's we will have enough cash for the retainer and food on the trip at the end of may. & will not have to use any of the cards any more. We can buy gas & groceries with the cash for stopped payments. I hate that we had to put the flights & hotel on the card & overdraft, but I dont want my son to know that we are in trouble financially. How will this affect us once we retain the lawyer seeing the 600 tickets on our checking overdraft 4/14? WIll it be held against us ina any way? I could not make the trip driving because I have heart failure and my legs would swell so bad I would be miserable once there.
Also, one more question...We have a first and second loan on our home worth more than the home im sure with the two combined. We want to keep the home, how does this work? which one will we most likely have to file 7 or 13? We are under the financial means.. So tired of robbing peter to pay Paul to stay a float...
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