My recommendation is to listen to the attorney. If you do get a job, you're most likely better off in chapter 13 as this isn't the "win the lottery" thing that will allow you to instantly become current on the credit card (and other) debts.
My recommendation is to listen to the attorney. If you do get a job, you're most likely better off in chapter 13 as this isn't the "win the lottery" thing that will allow you to instantly become current on the credit card (and other) debts.