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Replying to @AmesInIndy💙 generally where I practice, if you are paying 100% of your debt back, and your disposable income on I and J is higher than that payment, you probably will be okay with the lower payment that still pays 100%. But there are exceptions. The trustee or a creditor could object for a number of reasons. It could also be different depending on the judges and trustees and customs where you are located. Always talk to an experienced bankruptcy attorney in your area. #debthelp #ba
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Not to jinx it, but this is potentially the last month of paying down in this crippling pile of debt as I prepare for bankruptcy. I have truly given my all to try and take care of this myself, but after running the numbers, it’s just not a reality with the money I make and the time I have. It blew up too fast after a layoff that I was financially unprepared for and I didn’t take care of the interest rates fast enough before it ballooned into the monster it is today. My biggest learning from this
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