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조회: 964

작성자: debtfree(Mintlover)

지역:

76.xx.xx.119

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작성일:08.20.19

 

What Can I do to keep my home and manage a mountain of debts?

(SUMMARY)
I purchased a home in Aug 2016 at $409k
Loan (principle) was $327,110
Current loan (principle current) $311,319.76
Estimate of current home value $460k ~ $480k

**My current home equity seems $148k to $165k
My total debts seems $76,000 to 80,000

I became a sole ownership of home since 2018 after divorce.
CA home exemption is $75,000
My credit already dropped 780 to 500 about 6 months ago.

Even if I called each card company to pay in payment program, I couldn't follow as plan.
I find myself that I can pay in payment program for debts of $34,000 but remaining debt $42,000 around can't be manageable.

I need to keep and protect my home and also I want to manage this debt..
I hope to be debt free..

Please advise me what is a best option for me...

Can I file a bankruptcy and protect my home?
or
Can I go for debt settlement or what should be good for me?

Thank you in advance...

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