I've decided finally to do a Ch 13. I'm being generous as my bills aren't all that bad, every creditor gets 100% of initial amounts cards (and car loan) was started at. Just no interest.
Now, I speak to attorney tomorrow...Not a worry.
One creditor (Car loan) is coming up on 90 days...I know filing will put a stay on them, but the filing fees might be about $2,000 which will take me 4 pay periods (2 months) to get for lawyer.
Will the car loan people hold off while I'm with lawyer, or will the filing be the only recourse to stopping repo?

