Girlfriend walked out a year ago. I’m using the payments from 5 credit cards to make the house payments (she used to pay half the household costs). Looked at BK but 13 appears to be the only relief and I feel if I am going to make a payment, maybe a debt relief agreement may be better. Can’t refi fico <500 market value of home = w/mortgage amount (not behind in house payments). Is Fast Track Debt Relief a company that will help, or are they a scam? Alan"
Why is Chapter 13 the only relief? Did you actually meet with a local bankruptcy attorney?
Please tell me more about your situation so I can get you headed in the right direction.
In the meantime, you can use the free How to Get Out of Debt Calculator to review your options.
Please post your responses and follow-up messages to me on this in the comments section below.