I am on social security disability long term and things have gotten to a point where I can no longer afford even the small monthly payments on my numerous medical bills. I'm barely hanging in with the credit card payments, but not sure how much longer I can do that since my HOA increased the fee again. I call each office explaining I can no longer pay anything, but some are immediately threatening collections. I really mean I can't pay anything, not even $5 a month. There are too many bills and I'm having trouble buying food and keeping a roof over my head. Options? Can my social security be garnished or me be thrown in jail? Can one of these creditors take my house? I'm in Tennessee and don't really understand the rules about what is exempt. I have no possessions worth anything other than my house and a 19 yo car. Should I consider bankruptcy, and if so, would I lose my house from that? My overall debt isn't huge when compared to a lot of people but it's huge given my personal situation. I am totally unable to work. Should I consider a home equity loan to pay everything off or could that create more problems? I know it's a lot of questions, but please help.
I would need more information to be able to answer the question regarding your home and whether you can keep it if you file for Chapter 7 relief.
There are no debtors' prisons so you are not facing criminal charges for failure to pay a debt.
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