I'm 55. So called own a home, have a husband, 2 grown children and 1 grandchild, 3 dogs, 1 cat. Always paid my bills on time until 2 years ago when economy hit home. Always paid my house note, just gave up paying the credit cards. Everybody lives with me now. Bankruptcy. Thought I could do a chapter 7 and keep my home, but no, too much equity they say, well, my house is run down, but that's not the figure they get from comparables. So, chapter 13 -- Pay the damn creditors and what happens if my old heating unit/air goes out? Then what? I have no money to fix it. Should I just give up my house that I we all live in? Make everybody homeless. Where is the justice? I tried to do the right things in life, always paid my bills but things have gone to shit, the house for sure, but how do I prove that? We are finally getting on our feet, and now just pull the rug out from under us if we file bankruptcy. The future is certainly not CERTAIN. I hired a lawyer after carefully searching for prices and looks like I'm getting screwed by the one I picked! Don't ask my opinion on anything because I'm definitely going to be wrong. I had lawyers tell me "yeah, you can keep you house". Duh...not with the equity they say I have.... oh well, my husband just keeps saying "they can't take your birthday away." Who really wants to have a birthday when you're my age? | |