No. of Recommendations: 0
So, I have two choices - file Chapter 13 or try to refinance (I'm talking with a broker this week) to get out from under the $2,500 or so I pay each month to creditors, in addition to regular living expenses.

I will be very surprised if you find a broker to refi your mortgage if you are in debt to more than your income.

Why not look at Ch 7 instead of Ch 13? If $60K debt is more than your income and your husband doesn't work (by the way, I'd have kicked MY husband out 3 years ago when he'd been sitting around doing nothing for 2 years... would not let it get to 5 years!) then perhaps your income is below the state median? Thus allowing a Ch 7?
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