MasConcepts Incorporated

Not exactly cold feet I guess, because I know this is the right move but it’s taken so long for us to file from when I did the consult (August), I think I’ve just lost my nerve a little. I’m super bummed with the experience I’ve had with my attorney, but what’s done is done and I’m just hoping he’s like many professionals that are good at their job but lack a certain “bedside manner”. I’m also bummed that the extra time also means my total debts have increased a lot since August with interest an fees. But oh well, here we are. We’ll be in a 100%, 5 year plan, and the counsel was to include my student loans and not try to pay those outside of the plan, even though it would save me something like $600/mo. At the end of the day I guess it’s better to just keep things clean cut, add everything up and divide by 60. Our estimated payment ($3850) feels unmanageable, and my calculation of our disposable income is different (~1800 less) than the attorneys, but I think our income is too high for them to care. We’ll figure it out right? I used to be so excited for this to just have it done and off my plate and feel like I’m set up on a path, even though it’s not an easy one. But now all I feel is anxiety and dread, worried that it’s just going to be desperate, treading-water and not being able to cover any potential emergency. Can someone in a ch 13 plan offer any encouragement? I’d appreciate it!