Long story short. I filed chapter 7 in 10/05 and I think it went through in 2/06. At that time I lost my job, sold everything I owed and cashed out my 401k and still had to. Now I am married and we are in a bad spot due to lack of decent paying jobs and student loans. I know they aren't dis chargeable unless doing a adversary proceeding. And we have several credit card and medical bills. Would we qualify for a bankruptcy? Either a 7 or 13?