We need to know if you have any equity in the apartment and if you have any other assets with equity. Assuming that you have little or no equity in the apartment, and assuming your car is not worth much more than you own on it, and assuming that you have no other significant assets, then based on what you are saying I think you are eligible for a chapter 7. But, that is a lot of assumptions and I am only guessing that perhaps you do have assets and perhaps a 13 might be more in order.
Do yourself a favor and retain an experienced Miami are bankruptcy attorney to guide you through the law and procedure of bankruptcy.
Good luck with it.
This answer is provided for informational purposes only. Actual legal advice can only be provided in an office consultation by an attorney licensed in your jurisdiction, with experience in the area of law in which your concern lies.
There are several factors that have to be looked at prior to determining whether you are eligible for a Chapter 7, although a precursory review of your question makes it seem like you would likely qualify. It seems you're interested in keeping your apartment and car; if so it is important to know the amount you owe on those items and how much they are worth (to determine if there is any equity). Some of your debts are dischargeable, although the student loan debt is most likely not.
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