So Many Unknowns

Yesterday I wrote a post about how this Chapter 13 bankruptcy is slowly killing me, and it truly is, I think. I have so many unanswered questions and the lawyer is not very helpful. Most of the information I have found out by searching on the internet and from the free webinar from Stephen Snyder, but it seems that most of the information out there is in regard to Chapter 7 bankruptcies. I have no idea what I should be doing now to rebuild my credit. On of the things Stephen Snyder says to do is to get a prepaid Visa or MasterCard, but there is no way I can do that because you have to have money to deposit into that Visa or MasterCard. All of our money is going to the trustee and what little is leftover pays for a few groceries, gasoline and essentials for my kids. It seems to me that people who file Chapter 7--who walk away without being required to pay back anything-- have more options than people like me who are trying to do the right thing and trying to pay back as much as possible. To make me feel even worse, that awful trustee looked me in the eye and said that if I couldn't prove that I was giving money to my church, then she would have to raise our monthly payment even more. Since we have begun payments to the trustee (nearly $6000 per month), I have been unable to give much to my church on any regular basis. If the money is in my wallet, I put it in the plate. Our lawyer said that if you want to just not give money to the church and save it for a vacation (what a joke!) then no one would even question it. I am so discouraged. We made a mistake, and are trying to do the right thing, but we are never going to recover at this rate. If anyone out there has any good, true knowledge about rebuilding credit while in a Chapter 13 bankruptcy, please let me know!