My question involves bankruptcy in the state of: Florida
I would greatly appreciate any advice or input. My situation is this. I have two lines of credit with the same bank that total 51,000 dollars. The combined payment is roughly 1,200 dollars per month. My Mortgage payment is 1,600 dollars a month. I am on time with payments, but the time is nearing where I will be unable to pay the min. payments per month on the lines of credit. I have a steady net income of roughly 3,500 a month...BUT...with the mortgage, line of credit payments and normal living expenses, I am in the hole about 150.00 dollars a month. The equity in my home is less than 10K, and not near paying off the debt. I have been able to make payments thus far because I have dipped into savings, which is now down to 2,600 dollars.
Do I qualify for Chapter 7 or 13??? If 13, are the payments reduced so I can at least have some sort of a life? Any advice would be grat, thanl you.

