I filed chapter 13 but I am still behind in my mortgage payments. I do not have much equity in my home and I

Asked by Sharon, Louisville, KY Fri Jan 30, 2009

would like to just give it back to the bank. My credit is already in the dumps, I can barely afford to pay monthly bills or food. I just need a fresh start so I can afford to live in today's economy.

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Nancy Keith…, Agent, Louisville, KY
Fri Jan 1, 2010
Help line is on my web site, start with the first one. There is life after all this keep your head up
http://graciousnancy.semonin.com
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MAP1922, Other Pro, Newport, OR
Fri Jan 30, 2009
The point of a Chapter 13 is that you are on a payment plan to repay all your debt. No one files bankruptcy who has excellent credit and the entire point of bankruptcy is to be provided a "fresh start".
Did you file pro se or did you use an attorney? A good bankruptcy attorney should have reviewed ALL your debts and assets and advised you as to the pros and cons of Chapter 13 vs Chapter 7. Even Chapter 7 does not eliminate all debt.
I see that you are in Kentucky. I recommend if you haven't already, to visit the site I've linked below which is to the National Consumer Bankruptcy Attorney's (NACBA) website. All members are advocates for you. There is a great deal of information provided there as well as a list of attorneys in your area who are bankruptcy practitioners.
Best wishes,
Michele
Web Reference:  http://www.nacba.com/
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