Hello,
I need help and I reside in Cincinnati, Ohio for 4 years but previously lived in
Baltimore, Maryland for 16 years where I filed Chapter 7 and discharged in
2001. During my stay in Cincinnati which is home, I ran into some terrible
time with finances because of employment and frequent hospital visits due
to health issues. Nevetheless, I have been summon by court on two of
the credit cards I assume while I have been here . I went to court on one
and they wanted to know my asset which are none and my employment
is a Teacher Assistant with the Cincinnati Public school for 6.0 a day which
is not stable due to cutback each year. My question now is that my second
summon to court for credit card seem serious well both do and I want to make right with my creditors but I don't think I have enough money for Chapter 13. I know chapter 7 is out but if I put chapter 13 into motion will
the filing fee put all my creditors in a hold status from garnishment. I have
a car loan that will be payoff in July 2008 . I am tired of calls which I thought my life was over with debt in 2001, but domestic violence had me to flee to home for safety therefore, I found myself being comfort by plastic and now I'm back to square one. I did my chapter 7 by myself without lawyer did not have the fee and I won't have it now. Please advise about the route I need to take. By the way, I heard taxes owe can be included in chapter 13 I already have a $45.00 IRS payment plan. I need one plan that will be the umbrella for all except car note and my total debt
is about $10,000.00. I want to be good steward in my finances !
Please Help !
Thank you for your time and effort !

