In re Rathman, Teri K. (pseudonym)

Outcome: Full discharge of credit cards & medical debt, kept home

Description: Client single mother, homeowner fell behind on house payments. Raising three kids alone, client had acquired significant credit card debt and when she fell behind, banks raised interest rates making it impossible to even cover minimum payments. Client filed Chapter 7, discharging credit card and medical debt and making her house payment affordable.