I am currently in default on two homes which will result in. . . a $200k deficiency. . . I have about $20k in (non exempt) assets and owe $20k on credit cards. . . (A)n attorney advised me (that the foreclosing lenders). . . have four months after filing to submit this claim. The attorney also advised me that filing chapter 13 would be advisable since I have the option to back out. However, I might qualify for chapter 7. He told me the chapter 7 trustees are more aggressive and likely to advise the bank to file the unsecured debt. His fees for chapter 13 are $4700 and 7 $2200. One more concern is the amount of my unsecured debt is just over the limit of 1,000,000 and I may not qualify for chapter 13. Although he said he could submit it to see if goes through, I would still be liable for his fees if it doesn't.