I am presently in bankruptcy. Its a long story but to try to summarize, I was with a credit consolidation company in 2011. I had already been in it for over a year. I was employed then, making $5,000
I am seeking help with my bankruptcy. I have some questions about the position I am in at this time. I started BK in 2011 after trying to consolidate my debts with FreedomDebt or something like that. When they hit a glich with one of the debters, I wasn't sure what I should do. I was encouraged to talk with a BK lawyer about BK. I did that. I was a fairly new widow, having lost my husband of 41 years to cancer in 2009. I was pretty fragile emotionally. I went to Richard LaCava for a consultation. He reviewed my property values and my income etc. and he encouraged me to go into bankruptcy. Things might have been OK, but I was laid off my job. The company I worked for was in trouble and has since closed. I was not very well at that time. I had several hospitalizations for bleeding from an ulcer like problem in my stomach. I could not keep my head above water. There was one review of my case and my payment was lowered from $2,ooo something to $1,799 or so. I have sold almost all my valuable, family heirlooms, golden coins etc. to make payments to the BK trustee
covering my case. I have nothing left except the equity
in my house. The reason I have to pay 100% of my debt. I cannot get that equity now however, because I am in bankruptcy. I don't know what to do. My brother was living with me until a year ago last Feb. (almost 2 years ago). He was paying $1,000 a month rent
. Since he passed I have been paying everything myself.. My adult son lives with me and helps out when he can but he doesn't make very much himself. Is there anything I can do at this point? I called my lawyer a few times but the only I ever talk to is his Paramedic. She tries to be helpful but she is not a lawyer and I am now going to have to have more surgery for arthritis in my knee. I have chronic back problems and under the care of several doctors at UCSF. I hope you can tell me what I might do. If I could just refi my house and I could pay off my BK I think I would be better off. Right now interest rates are low but they will go up again pretty soon I think. Hope you can give some answers.