Yes, as long as you meet the other criteria, you can file.
It can make your credit better - depending on what is going on.
The bigger issue in my mind is what is going on your life? Is this the best time to file?
If you are about to incur medical debt and may have some liability, filing bankruptcy now may not be the best idea.
You should meet with an attorney for a free consultation to make sure this is a good time to file.
Please contact me directly with document for a free 30 minute consultation to get more concrete advice. This is not legal advice. I don't have enough information to give actual legal advice. I can only take the limited information presented and provide a framework to know how your situation may turn out. I may have questions that bring up issues you did not think were important but make a big difference.
Yes you can file for bankruptcy while on welfare, and your credit is probably not all that stellar anyway. Usually, by filing bankruptcy and getting rid of debt, your credit score will go up within a year. If you are receiving food stamp assistance, you should be eligible to waive the filing fee if you do not have the resources to pay it. Legal aid may be able to assist you, or make a referral if it cannot.
Being on welfare does not impact whether you can file. The real questions are whether you need to file and, if so, when is the best time for you to do so. This can really only be reviewed in a consultation with all the information gathered and documents reviewed.
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 December 2011 through the present, including wages and unemployment during that period; (2) all your bills (copies neatly assembled, back pages included); (3) last four years’ tax returns; (4) a credit report (use 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. Call at your earliest convenience to afford the most opportunity in which to be advised about your best course. You are not required to use an attorney in your area.
I do not recommend filing bankruptcy on your own. There are too many complex issues. I have seen several posts on this site for debtors who filed on their own and are seeking counsel concerning complications. Most of them will have a hard time finding an attorney to get involved to unwind the mess without the attorney charging several times what would originally have been paid.
The scope of this space does not afford an opportunity to adequately advise you. The response provided is intended to be informative, but not final. You are advised to arrange a consultation at which all facts and documents can be explored and terms for representation agreed. An attorney-client relationship must be formally established.
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