MasConcepts Incorporated

Hi,

Mid 30s single in California.I’m a renter. I owe about $24000 on a car loan. I still have about $5000 on my student loan. Other than those, my debt is around $100,000- mixture of personal loans, credit cards, and tribal loans. I feel as though the minimum payments and interest are killing me. I’m considering bankruptcy, chapter 13 because I net around $153,000 a year. Is there any way to have an idea of the monthly payment for the 5-year plan? I’m totally cool with the scenario of having to pay the full amount of debt. I guess my main question is would they have you pay more for less than 5 years or pay less for the full 5 years?