Question: My husband and I are unsure if a Chapter 13 Wage Earner Plan is the way for us to go. Due to loss of job and medical reasons, we are in over our head. We are able to make house, truck and living expenses but unable to make any credit card payments. We are not behind on any of our secured notes, but fear if we pay the credit card bills, we will shortly be behind. I have read about debt counseling, but we do not have a lot of $ to go on the other bills. In Chapter 13, will be lose our home, car and RV? Or can we continue to pay these? I have read information on the internet about consumer proposals in Canada, but I want information about a Chapter 13 plan in the U.S. Thanks.

Answer: Yes, it is possible to keep your home, car and RV in a Chapter 13 Wage Earner Plan. Each situation is different, so you should contact a Chapter 13 expert for more information.