B
BabyLove_8
Guest
What is the name of your state? Pennsylvania
I am contemplating filing for bancruptcy, after the first of the year. I am totally uneducated about the different chapters and what all they include. Of course, I will be hiring a lawyer who is knowledgable about this, but I would like to have an idea about it all, before I walk into his office.
To make a long story short. My husband and I were doing fine, making our cc and loan payments. Unexpected pregnancy (but well worth it!) happens. After baby, I can only return to work p/t. We have 2 older children, besides our newest addition. We have only been making our auto / mortgage payments for the last year. One by one, I had to stop making payments to my other creditors. I must get 15 calls a day, from bill collectors/agencies. (Thank God for caller ID and call intercept) These callers can be very rude, so I just don't deal with it, like alot of people. They have never contacted my husband or I at our places of employment.
My real question is...what chapter can you file, in order to still keep your home and vehicle? We are not late on either of these loans. In fact, the auto loan will be paid off in about 13 months. How much can this cost and about how long does it take, once filed?
Sorry so many questions. I have read through alot of posts on this topic, but I am still unclear about it.
I am contemplating filing for bancruptcy, after the first of the year. I am totally uneducated about the different chapters and what all they include. Of course, I will be hiring a lawyer who is knowledgable about this, but I would like to have an idea about it all, before I walk into his office.
To make a long story short. My husband and I were doing fine, making our cc and loan payments. Unexpected pregnancy (but well worth it!) happens. After baby, I can only return to work p/t. We have 2 older children, besides our newest addition. We have only been making our auto / mortgage payments for the last year. One by one, I had to stop making payments to my other creditors. I must get 15 calls a day, from bill collectors/agencies. (Thank God for caller ID and call intercept) These callers can be very rude, so I just don't deal with it, like alot of people. They have never contacted my husband or I at our places of employment.
My real question is...what chapter can you file, in order to still keep your home and vehicle? We are not late on either of these loans. In fact, the auto loan will be paid off in about 13 months. How much can this cost and about how long does it take, once filed?
Sorry so many questions. I have read through alot of posts on this topic, but I am still unclear about it.