QUESTION
Can I file for bankruptcy if I am about $5,900 in debt plus rent and utilities?
Asked on Mar 30th, 2016 on Bankruptcy - California
More details to this question:
I receive $733 a month from SSI. I have 2 credit cards and a card from a store that I have charged up. I am making $100 payments on each monthly. I am not behind or late. But I simply am in over my head. That’s a lot for me.
9 ANSWERS
Bankruptcy Attorney serving Hampton, VA
at
Haven Law Group, P.C.
Update Your Profile
Yes, you can file. The debt is more than you can handle and that alone is a reason why filing will help. Good luck.
Answered on May 04th, 2016 at 6:25 PM
Yes, but its a little more involved because of the utilities and back due rent. Assuming you live in a different place, you can discharge the past due rent. The utility company can request a two month deposit for future service. I think most attorneys would give you a free consultation because of your situation. The attorney fee would probably be reduced. Hope this helps.
Answered on May 03rd, 2016 at 5:32 PM
Commercial & Bankruptcy Law Attorney serving Powell, OH
at
Ronald K. Nims
Update Your Profile
SSI is exempt, so no one can cease your assets. On such a small debt, without the threat of garnishment, it doesn't make sense to file bankruptcy.
Answered on May 03rd, 2016 at 6:13 AM
Bankruptcy Attorney serving Madison, WI
at
Richard B. Jacobson & Associates, LLC
Update Your Profile
Yes, you can. Remember there are some costs connected with a bankruptcy, such as the court's filing fee (335) and a lawyer's fee. Also new credit will be hard to get for a few days. Good Luck.
Answered on May 03rd, 2016 at 6:12 AM
Maybe you can file bankruptcy, but I would never recommend it and I certainly would not accept a case like yours. What if you get hit by a car or get sick and need substantial medical care that is not covered by insurance? And the reality is that based on your source of income, a creditor that might sue you probably could do nothing to actually collect from you.
Answered on May 03rd, 2016 at 6:11 AM
Yes, you can but because you are on ssi I'm not sure why you would like to file for bankruptcy as you are judgment proof.
Answered on May 03rd, 2016 at 6:10 AM
Yes, and you probably would qualify for pro bono assistance. Contact your local Legal Aid office.
Answered on May 02nd, 2016 at 7:03 PM
2 Awards
Yes. You are a perfect candidate for chapter 7 bankruptcy.
Answered on May 02nd, 2016 at 7:03 PM
You can but you are effectively judgment proof. Stop paying the credit cards.
Answered on May 02nd, 2016 at 7:03 PM