Dogman, I hope this is not too personal to ask but why did you do a Chap 13? If it is too personal just say so and I will understand. The reason I ask is that form your posts here, you reside in CA and had a medical problem just like me. You are probably the only other person here on the board who had to deal with over a $100K credit card problem. Again, I hope i did not offend you with the questions here. P.S. I used the California BK standard not the federal standard as it shielded my retirement assets.