Drowning

I would not file 13, if you can't file 7 the I would try and settle the accounts. Your credit will be trashed either way.

I agree with geust59. I also have approx. $100,000 in 15 cards and considered Chapter 13. However, after finding this forum I changed my mind. Chapter 13 put a lot of stipulations on your personal spending.

if its the score your worried about you miswell toss it out the window, we all agree hands down that no matter what you do in this situation your score is gonna go down the crapper. I would recommend 7 if you could be rid of it all, but 13 i agree is a bit complicated and if you default for whatever reason on a payment im under the understanding that the creditors can then try to sue you for the full balance again. Read up on settlement and bk there is some great articles here that may help you get a better understanding of all your options and maybe help you feel a little bit better about the right choice for you. good luck to you!

love my things and others, Thanks for the thoughts,

I joined the forum as a member yesterday. Looks like I'll be at this for a good while and this forum has been very helpful so far.

Im meeting with an At early next month and will talk about the chapter 7 but I am pritty sure I have too much stuff. We will see what he has to say. From now on Ill be posting as Badabing. Thanks again for the help.