Hi,
We retained the attorney today. We will know in a couple of weeks after she goes through things if we are 7 or 13, she is hoping for 7. We also talked about husband filing on his own (as the foreclosure on his old home is our main reason for filing), but I have more unsecured debt as most things have been in my name due to his credit. We won't be able to file probably until March as we hit up our OD account in December when our pay was all screwed up - so have to wait for that time limit to pass. We talked about paying it off, but she does not suggest we do that.
She doesn't seem concerned about the new truck. She said the payment is a little high, worse case scenario would be tt would take it back, and we would not be obligated for debt, etc. She doesn't expect that to happen.
She does suggest that we change bank accounts - especially before we file.
When we got home, DH was served with summons that BOA is starting foreclosure proceedings. Will be sending her that today.
So, I feel so much better - she took a lot of time with us and didn't feel anything was a big deal at all. I will feel so much better when she runs all the numbers and runs things different ways to see what she suggests doing.
I am so glad for the information here and all the support here!
Lynn
P.S. If we do have to return the new truck, anyone have a 1999 Chev S-10 Extreme in black they want to sell????
We retained the attorney today. We will know in a couple of weeks after she goes through things if we are 7 or 13, she is hoping for 7. We also talked about husband filing on his own (as the foreclosure on his old home is our main reason for filing), but I have more unsecured debt as most things have been in my name due to his credit. We won't be able to file probably until March as we hit up our OD account in December when our pay was all screwed up - so have to wait for that time limit to pass. We talked about paying it off, but she does not suggest we do that.
She doesn't seem concerned about the new truck. She said the payment is a little high, worse case scenario would be tt would take it back, and we would not be obligated for debt, etc. She doesn't expect that to happen.
She does suggest that we change bank accounts - especially before we file.
When we got home, DH was served with summons that BOA is starting foreclosure proceedings. Will be sending her that today.
So, I feel so much better - she took a lot of time with us and didn't feel anything was a big deal at all. I will feel so much better when she runs all the numbers and runs things different ways to see what she suggests doing.
I am so glad for the information here and all the support here!
Lynn
P.S. If we do have to return the new truck, anyone have a 1999 Chev S-10 Extreme in black they want to sell????
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