Hello NWOTT Ladies!
I hate that I even have to ask about this subject, but I need some recommendations of a BK attorney knowledgeable on the laws when it comes to houses (and their equity), cars, and qualifying for filing. We are in a difficult spot, and currently going through a debt settlement program, but are still barely making ends meet. We may have no other choice but to stop paying or file BK. We do not want to file if chapter 13 is our only option because we understand that as basically the same as a debt settlement program. However, it’s possible we don’t have a clear understanding of the differences.
Thank you for your help.