Chapter 7, Then 13We filed a Chapter 7 in 2003. Now in Chapter 13 since 02/2011. I want everyone to know that you will get through this. It is so hard. But you can do it. I will be reviewing posts and commenting to share my experiences. I have learned so much and realize that the attorney does not and cannot do everything for you. You can contact the court directly. Although they cannot give legal advice, they can review your case with you. So, if your attorney is not processing your requests as timely as you would like, you can document your situation and possibly save your case. You can even email them! It is also helpful if you ever need to seek alternate counsel as you will then have a documented record of dates and communications showing your personal efforts to improve your situation.
The most important thing I have learned is that all the worrying I have done over the years was for nothing. I now channel my energies toward improving our situation, and take it day by day. We are looking at a shortage of $20,000 this year, as compared to 2011. And I'm not even going to stress over it. I will take each day as a new challenge and overcome obstacles! Bankruptcy has given us a chance to survive. The court is there to help us - not scare us. The attorney is there to help us. Thank God we have this option to enable us to recover from this disastrous economy, live through extended terms of unemployment, and to save our home and vehicles. We have children, and would do anything to keep them safe and secure! This was our only option after our finances became unmanageable. And if the Chapter 13 case gets dismissed because we can't pay, we can always re-file and start over again. My message to all who are scared and ashamed... DON'T BE! You will find that almost everyone is struggling. If they say they aren't, they're lying! Hold your head up and keep forging ahead!