Today, my mother and I went to a bankruptcy lawyer to learn whether a chapter 13 bankruptcy filing is the best for me. She is in possession of three properties that are in her name and two salons. Through an hour and a half of calculations, it was figured out that she have about $200 extra (after expenses, taxes, etc.) or so that would be able to go to a payment plan. Due to this small amount, the lawyer decided that a chapter 13 is not the best plan for her. And yet, since she wishes to keep all of her houses, a chapter 7 bankruptcy filing appears to be a bad idea. She has a trust, unrecorded, that places her as both the grantor and one of the beneficiaries, and a company that I help manage as part of the trustees. Supposing that I managed somehow to change the trust to make it irrevocable and place a trust company or bank as a beneficiary, (the trust is on all of the houses she owns besides the one we live in) would it be more beneficial to file a chapter 7 bankruptcy and allowing them to sell our current home (which would then get rid of the large amount of debt immediately) or to file a chapter 13, which would buy us some time to pay off or settle with the people that placed us on judgement?

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If anyone knows any good trust lawyers and/or bankruptcy lawyers in North Carolina, please let me know.