Met with the attorney tonight. I have about $30,000 in Credit Card and another $5000 in PDL. It's the PDL that are killing me. My income is high, but just can't keep up. I didn't pass the test for Ch. 7 so we are doing 13. Since I will be able to do a 100% repayment plan over 5 years she indicated my tax returns, raises, etc wouldn't be scruntized because I am scheduled to pay back 100%...does this sound right?