I want to know if I can start proceedings now and maybe get som relief??
General Practice Lawyer
Yes, you should consult an attorney. Depending on your circumstances, you may want to file under Chapter 13, which does not require eight years. If the circumstances are right later, you may be able to convert your case.
The scope of this space does not afford an opportunity to assess the situation and advise you. I recommend you assemble for legal consultation: (1) your income information for February through August, including wages and unemployment during that period; (2) all your bills (several months' copies neatly assembled); (3) last four years' tax returns; (4) a credit report (www.annualcreditreport.com to obtain free report if not requested in last year); and (5) other information that may apply, such as copies of lawsuits. Set up an appointment at your earliest convenience to afford the most opportunity in which to be advised about your best course.