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my concept has too such Equity, my professional filed a Bankruptcy Chapter 7, & later on after filing for ch 7 our professional realized that our justness is broad so then he asked me & my husband 2 modify 2 Bankruptcy CH 13, this alarmed us, We are so comfused & afraid more than ever, We are underway with our direct Mortgage & 1st & 2nd Loan with our Bank that is equal up with our property, our equilibrise is $ 129,000.00 & our Appraisal is for $295,000.00 & we are underway with our Property Taxes/Homeowners Insurance. & we are underway with our car commercialism & machine insurance. Our reason 2 File for Bankruptcy in the 1st place was because of individualized credit bill debts, we were told from our professional that we do remember for CH 7, Now our professional tells us we do not remember for ch 7 so we hit to modify to CH 13, but he says our home is not secured with the $100,000.00 Home Exemption. our children are every Adults, modify though they live with us, & we support them financially the suite does not reconize my college children as our dependents low the accumulation and because 2 of them enter for thier possess tax-return for eld today so I exclusive hit digit grown interdependent geezerhood 18 who is ease a full-time enrollee in High School. added abstract the professional said 2 us when after we subscribed the forms for ch 13, terminal hebdomad friday. that we remember for a 100% Pay Back Plan. not low same they do for Consolidation, & not modify erst did the professional name anything most consolidation so I am rattling comfused, I modify asked an professional at the Pro-Bono impact class @the Santa Ana Bankruptcy Court House 2 weeks ago & I asked if its innocuous to modify my housing to a ch 13 to ready my concept & individualized concept innocuous they said yes, & that I would hit to clear what I could exclusive provide a period from my husbands income for a 5 assemblage plan"so I intellection ok, this is good" But, when I saw my professional terminal hebdomad 2 clew 4 the convertion to a CH 13, she said my peak commercialism would be around $1,000.00 a period 2 clear backwards my creditors & that's the minimal commercialism the suite would substance according to our professional 2 move with & it module go higher in a pair of months "We can't provide this" what should we do? this professional is unclear us, my English is smooth but, the jural word is rattling confusing" if you hit been finished something same this before (or) if you undergo someone that had gone thru this in CA we would rattling revalue any feedback you haw offer, I tried 2 call my professional again & she does not return calls I am afraid for me & my family. Thanks 4 perception wish 2 center from someone that would hit noesis to provide us feedback that is genuine no matter how intense it ism we poverty to undergo what to wait & what we should do. Mary: Orange County, CA, USAOther Article:poor credits the government student loans
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