my son (28 yrs old) was sued by Bank of America for $14,000 which includes atty fees and interest. He filed an appearance and answer but judgment was made against him on Jan 8th. He owes 2,500 in other debt. plus 25,000 in student loans. He has no assets, no bank accts. is a recovering heroin addict on state assistance (8 months clean) and has started working again as substitute teacher. Would Chapter 7 help him with his debt?