Hi, I think you should make an appointment with a bankruptcy attorney -- bring all the financial information you can. The attorney will tell you what the ramifications of the BK are and if it is the right move for you. If you don't feel comfortable with the first attorney you talk to, make an appointment with the next one on your list. The first consult appointment should be free. The reason I'm saying this is, my friend filed for ch 13 bk last year to protect the house. The payment cannot go up for the next 5 years. He was about to lose the house, same situation really that you are in: couldn't refinance anywhere and was getting frantic. So now he can sleep at night. His payments can't go up. Anyway, if you make an appointment with an attorney, you would know what your options are and what protections BK can provide. You at least need the information. Hugs, Megan
Thanx Carolyn.
Spirited Kids are like Roses........They NEED special care and sometimes you have to get past the thorns to truly enjoy them.
I think you should make an appointment with a bankruptcy attorney -- bring all the financial information you can. The attorney will tell you what the ramifications of the BK are and if it is the right move for you. If you don't feel comfortable with the first attorney you talk to, make an appointment with the next one on your list. The first consult appointment should be free.
The reason I'm saying this is, my friend filed for ch 13 bk last year to protect the house. The payment cannot go up for the next 5 years. He was about to lose the house, same situation really that you are in: couldn't refinance anywhere and was getting frantic.
So now he can sleep at night. His payments can't go up.
Anyway, if you make an appointment with an attorney, you would know what your options are and what protections BK can provide. You at least need the information.
Hugs,
Megan
If I were you. I might try
All my best,
Danni
Okay I can understand not going w/ someone who is calling you, but who do I turn to then???
Spirited Kids are like Roses........They NEED special care and sometimes you have to get past the thorns to truly enjoy them.