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I am in the state of Georgia and since debt settlement isn't an option here, 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. Lower payments is what I need. So please, any input would be appreciated.
Also on another message board someone posted to me that a lot of Chapter 13's fail and I was wondering why that was, and if that is true.

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