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?
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.
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