OK. I have window where could qualify for Chapter 7, or
may have generous family member and part IRA fund settlement if can do 10% Average overall ($40k)
Debts 2 old helocs and a few credit cards
Heloc Regional Bank - now non -secured from short sold spec home $ 200k sued and judgment done
Heloc Small Bank ditto ditto $ 100k sued and judgment done
Chase credit card haven't paid for over 12 months $ 40k
Amex ditto $ 13k
FIA Visa ditto $ 32k
Chase ditto $ 3k
File and move on?
or settle without court risk and better long term credit outlook?