Resolved Question: Does anyone know what to expect in Bankruptcy Ch 13 in the state of California ? I'm scared need advise"?

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my concept has likewise much Equity, my professional filed a Bankruptcy Chapter 7, & after on after filing for ch 7 our professional realized that our justness is broad so then he asked me & my economise 2 modify 2 Bankruptcy CH 13, this alarmed us, We are so comfused & afraid more than ever, We are underway with our primary Mortgage & 1st & 2nd Loan with our Bank that is equal up with our property, our equilibrise is $ 129,000.00 & our Appraisal is for $295,000.00 & we are underway with our Property Taxes/Homeowners Insurance. & we are underway with our automobile commercialism & machine insurance. Our think 2 File for Bankruptcy in the 1st locate was because of individualized assign bill debts, we were told from our professional that we do remember for CH 7, Now our professional tells us we do not remember for ch 7 so we hit to modify to CH 13, but he says our bag is not secured with the $100,000.00 Home Exemption. our children are every Adults, modify though they springy with us, & we support them financially the court does not reconize my college children as our dependents low the accumulation and because 2 of them enter for thier possess tax-return for eld today so I exclusive hit digit grown interdependent geezerhood 18 who is ease a full-time enrollee in High School. added abstract the professional said 2 us when after we signed the forms for ch 13, terminal hebdomad friday. that we remember for a 100% Pay Back Plan. not low same they do for Consolidation, & not modify once did the professional name anything most compounding so I am rattling comfused, I modify asked an professional at the Pro-Bono work shop @the Santa Ana Bankruptcy Court House 2 weeks past & I asked if its innocuous to modify my case to a ch 13 to ready my concept & individualized concept innocuous they said yes, & that I would hit to clear what I could exclusive provide a period from my husbands income for a 5 assemblage plan"so I thought ok, this is good" But, when I saw my professional terminal hebdomad 2 sign 4 the convertion to a CH 13, she said my minimum commercialism would be around $1,000.00 a period 2 clear back my creditors & that's the minimal commercialism the court would substance according to our professional 2 move with & it module go higher in a pair of months "We can't provide this" what should we do? this professional is confusing us, my arts is smooth but, the jural word is rattling confusing" if you hit been through something same this before (or) if you undergo someone that had absent thru this in CA we would rattling revalue some feedback you haw offer, I tried 2 call my professional again & she does not return calls I am afraid for me & my family. Thanks 4 listening hope 2 center from someone that would hit knowledge to provide us feedback that is true no concern how bad it ism we poverty to undergo what to wait & what we should do. Mary: Orange County, CA, USA
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