I filed Chapter 13 in September of 2002 to bring me current on mortgage, car loan and other past due expenses. I was suppose to start paying my mortgage in October which is $636.56 and the agreed bankruptcy amount starting in November of $400.00 per month, which includes my car, but I was not able to find a job to support this amount. I am now behind again owing my mortgage for October, November, December and now January and I still owe the bankruptcy amount for November, December and January. My lawyer is no help and is simply saying that there is nothing that they can do. I am now employed as of December making $9.50 per hour and the job is stable. I am considering filing a Chapter 7 in which I will lose my home and my car and just start over. What should I do? If I file Chapter 7, can I still get the equity in my home since I have lived there since September,2001? Please let me know ASAP, running out of time ...

We are bankruptcy Trustees in Canada and cannot help you, as you live in the U.S.

Ann Clarke
phone: (403) 296-2972
aclarke@moneyhelp.ca