We were about 40k in debt with medical and CC. We were paying about $2450 a month and barely scraping by (this was cc, medical and rent, phone and insurance)
We talked to 2 different lawyers and both initially said ch 7 and then once we went to file they both suddenly changed it to ch 13.
Fast forward we get our ch 13 plan and they expected us to pay $1900 monthly which including our rent, phone and car/life insurance our bills were over $2400.
Lawyer messed with our rent and utilities a bit and got it down to 1400 which is more manageable but still rough.
He says we are left over with 500 a month but I dont see it, we have 1800 in our bank account right now. 1400 to ch 13 plan then our rent and utilities are 1200 which is due monday. That puts us -$800 and nothing left for grociries.
My hours recently went from 40 to 32 and I gave him 2 paystubs showing this (biweekly so 4 weeks worth) and it did absolutely nothing. My reduced hours is about a 500$ a month difference which doesnt seem like much but we are definitely feeling it.
He keeps saying we make to much but this plan is going to leave us with nothing, if we can even make the payment.
What can we do in this situation?
submitted by /u/Agreeable-Humor969
[link] [comments]