[litehouse01]

I have no problem with filing for bankruptcy..at all and I appreciate your sharing your circumstances you are very kind to do so...you made me feel better actually....I guess the best thing to do is for me to wait and see what Chase wants us to do as far as the counseling. Because as I stated we are at the 4th trial payment and it would be too late to include it now...so I guess i will wait and have them tell me that want us to get counciling.......Whats your opinion on charge offs if you don't mind my asking...since there is no actual payment listed because we aren't paying any that shouldn't be counted in bank end debt should it? Thanks again Arlyn you are very kind and helpful...