Thanks for your reply. Our overall situation is that we are just a few dollars over the min. for a chapter 13 pay back. They have some kind of test to see if you can pay back and we just made it.......that was before the trust arrived. I have to get a copy of the trust to take to the atty. I told him but I was wondering if anyone knew if they take everything or just some. I know it is a guess but wondered if anyone had this happen. We were able to modify our mortgage and our car is 4 years old and paid for. I live in the mid Atlantic region
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