Our gross income before taxes and tithe is 61% of our unsecured debt, which is all credit card debt. It is 32% of our total debt including the secured debt which is our home. We will not include the mortgage in the debts we would want discharged.
We are both retired, but work part time. Our health will not let us keep working much longer. Maybe not until the end of this year, maybe another 4 years after this year. If we quit our jobs our income will be 39% of our unsecured debt.
Would we be fairly certain of securing discharge from the unsecured debt?