We were told that we need to file a Chapter 13 bankruptcy. We spoke with an attorney 4 months ago and at that time is when he suggested a Chapter 13. He then told us not to pay anyone anymore. We have $14,000 in unsecured debt. We have a home which it looks like we will be surrendering it as it is under water and our mortgage is high. We also have a condo occupied by a family member and will probably move into that as soon as the family member relocates as that is what she requested. We are approximately 3 months behind on the payments and almost $7,000.00 behind on the hoa's. We have one car that is free and clear and a van that we owe approximately $24,000.00 on. We have a personal injury settlement coming for $10,000.00 and was told that had to go into our bankruptcy. We feel we can handle the debt as our business is starting to pick up. That is how we got behind. Our business income had dropped drastically. We have a case number XXXXX haven't met with the bankruptcy judge yet. We feel we can negotiate with the bank that holds the mortgage on the condo. Can we back out?
Over 33 years, I have assisted my clients with debt problems having filed more than 32000 Chapter 7 and Chapter 13 Bankruptcy petitions. Yes you can file or ave your attorney file what is known as a request for dismissal. That way, along as this occurs before your court hearing, it will not further affect your credit report score. So please contact your attorney as te clock is ticking!Best regards XXXXX XXXXX am glad to help. Please be so kind as to click the GREEN accept button as I do not get paid for my assistance unless you accept. A bonus and and positive feedback are also appreciated. An ACCEPT also assures that I can assist you again. I wish you the best in the future. Thanks.
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