I'm new here. My husband and I are thinking about filing, but we're not sure which one 7 or 13. Not sure if we meet the means test for 7. PLus we worry about loosing our home (we have negative equity), his gun collection (can anyone tell me about this?)We make 98K a year (gross)
We owe to unsecured debt 99k (ouch)
we owe 12k on a 2002 tahoe
198k on our home (I know it can't be discharged)
98k on our 2nd (same as above)
hubby also has a guitar collection he paid cash for. we'd like to stay in our home.
Any advice you can offer is appreciated. Also, where do I look for a good BK attorney?