Re: follow up

Thanks Paula -

I'm just so scared. In reading the articles you sent - I'm under the
understanding we get to keep our house. We are not behind on it -
Just everything else as far as utilities, water, and bills. I tend
to juggle everything so that we pay everything 2 months behind. LOL
It's a wonder I have dropped the balls yet - I've been doing this
for 2 + years now. But I want out - I don't want to stress any more
and I don't want to tell my kids they can't have a .59 cent
hamburger from McDonalds because I cannot afford it.

At four years old they ask how much everything costs and if we have
money to do it. The stress has hit them too - Maybe I shouldn't
explain why they can't have this or that - but I've always thought
the truth was better.





--- In , Paula Ogden
wrote:
> If your lawyer thinks you can do a seven, then I wouldn't worry
about it. He'd tell you if you needed to do a 13 instead.
>
> Welcome to the group!
> P.
>
> fourplet wrote:
> I've been reading the past post and I also live in Texas. Lawyer
did
> the quick figures and after all expenses we are showing a little
> over 200 left over - do I need to increase my expenses or is this
> enough to show the court that we have no extra money for the
medical
> bills and little credit card debt we have.
>
> Our lawyer says that we would be better off filing chapter 7 and
he
> believes we can qualify for it. I have to start paying my student
> loans for that to work and they come due again in Feb.
>
> Any adivce would be appreciated.
>
>
>