Am I In A Position To Document Section 7 But Still Keep Our Home And Vehicle?

[kienan]

I visited observe a lawyer a week ago to document Section 13 since I dropped behind in my own mortgage so when used to do find work my income decreased by significantly more than half.  I was ready to document this Friday, but received notice from Wells Fargo they're prepared to perform a mortgage loan modification and delivered me the paperwork.  obviously, that's a relief.  Nevertheless, today I am thinking if it'd be feasible for me to document Section 7 to have gone my additional debt (foreclosure, medical expenses, charge cards, etc) but still maintain my home. I  have determined my costs to incorporate my home, car, car insurance, utitlies, water, goods and gasoline plus they arrived at 70.77 per month and my revenue is 12 a month.  There's no means possible to actually access it any kind of cost strategy with some of my lenders since there isn't sufficient money.  Might I have the ability to document Section 7 but still maintain my house and car?

[Minyomi]

What did your lawyer state?  What're the exceptions for home and vehicle in Texas?  have you got regular disposable income underneath the means-test?  just how can these in cyberspace response inquiries without facts?  What'll you need to do should you get a solution centered on a problem without facts?   Cathy Moran