Well here I am again, with making the decision between a 13 and a 7, not sure what to do and which would be the better...we have about 16K in debt and 2 vehicles, 19K and 11K owed on them, a home as well. We want to keep the cars and are debating on keeping the home. A 13 would pay the arrears and catch us up, we would pay 560 a month for a Chp 13 my initial thought is about the long term affects on the credit report and rebuilding credit and what will happen if we sell the home? After 5 years what happens when we paid the Chp 13 off? If we do a 13 are they going to snatch our taxes this year? Is it better to give up the home ( we have another place to live) adn do a Chp 7? I am sorry alot of question but attny appointment is next week. Thanks
