I have alot of credit card debits, from NYC, now living in Denver , CO. I filed once before roughly about 17 years ago. What can I do, should I file chapter 7, can i do the forms my self.
Credit card debt is usually dischargeable in bankruptcy, and if you haven't filed bankruptcy for 17 years you would be eligible to file another Chapter 7, if you pass the means test for income.
You can file in Colorado, if this is your new place of residence.
You do not need a lawyer to file bankruptcy, but it is highly recommended. The 2005 changes to the bankruptcy code have created many new twists and hurdles. Most bankruptcy attorneys will provide a free consultation to discuss your options, as well.
If credit card debt is your primary issue, then a Ch. 7 bankruptcy can be an effective remedy. However, you must qualify to file for a Ch. 7. Additionally, you must consider the effect of a Ch. 7 on other property you might own.
It is best to consult with a knowledgeable bankruptcy attorney to make sure you understand all implications of filing and to have some guidance through the process. There are alternatives to bankruptcy that could be better for you, depending on the details of your situation.
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