I have tons of credit card debt. A few repossessions. Medical bills. A lot of charge offs. & that's about it. Was forced to change from a family member watching my Kids to putting them in daycare....& got super behind. Then I was to overwhelmed to catch up. The debt starts around 2004-20011
Sounds like chapter 7 would work for you. It depends on what assets you have (I assume few), and your income (I assume under $60k or so). The cost varies depending on your circumstances. Your best bet is to find a local attorney who offers a free initial consultation. Go to www.nacba.org and use its attorney finder to locate someone near you.
Investigate a chapter 7 for your debt exposure. In my region, attorneys charge fees typically starting at 1,000 and up for a ch 7. If there are complications, the fees go higher. The court fee is $306 . There is an online class which costs 25 and up depending on where you take it.
Unless you have significant assets (like a house with a very large equity) you would be best off with a Chapter 7. A qualified lawyer can walk you through all the steps.
You are welcome to review my web site and then call if you would like to review your case. The consultation is free.
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