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I am in the state of Georgia and since debt settlement isn't an option here, except maybe DIY,it seems to me that filing bk is about my only option and chpt 13 is what I am considering. I would like to hear your stories about the experience, amounts you owed and how much your payments were. I have about $34000 in unsecured debt. From 3 home business start ups in years gone by to a job loss last year. Supplementing income with credit, saw no other choice at the time. There are tales of DIY settlement, but I don't have thousands of dollars saved up to settle myself. And how often does someone get sued during DIY settlement anyway? Lower payments is what I need. So please, any input would be appreciated.
Also on another message board someone posted to me that alot of Chapter 13's fail and I was wondering why that was, and if that is true.
Thanks




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