I have been reading the posts trying to decide whether we should file or not.
We have excessive credit card debt that we have stopped paying on several months ago because we could not keep up due to high interest rates and the increase in the min due. Lots of collection calls from creditors and collection agencies with one judgement against us. Is it time to file? We both are still employed with a anual salary of about $78,000 yr which puts us over the median on the means test for the state of NE. We still have a 1st and 2nd mortgage on the house with no equity in it and would like to keep it and cars if possible. Any suggestions.
Thanks
We have excessive credit card debt that we have stopped paying on several months ago because we could not keep up due to high interest rates and the increase in the min due. Lots of collection calls from creditors and collection agencies with one judgement against us. Is it time to file? We both are still employed with a anual salary of about $78,000 yr which puts us over the median on the means test for the state of NE. We still have a 1st and 2nd mortgage on the house with no equity in it and would like to keep it and cars if possible. Any suggestions.
Thanks
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