Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification.
How much is you yearly salary?
What is you monthly expenses and expenses?
Thank you. I make about 56,000.00 a year. My monthly expenses are about 3,273.00
How much do you have left over every month?
How many people live in your home?
Last year I actually made more with commissions- my current monthly salary is about 4,236.00
three people- my two children and me
Why don't you file a chapter 7,
I'd like to keep my home
I owe more than it's worth though
You can keep your home in a chapter 7 if you reaffirm the mortgage.
Okay. I filed my chapter 13 already. I just didn't know enough to estimate a payment
Meaning you agree to pay the mortgage outside bankruptcy.
Okay. Thank you that really helps.
If you filed a chapter 13, the $440 would have to be paid for 5 years, and that would be your payment plan.
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