hello,my name is larry,i moved down to florida 6 months ago,im also homeless,and im close to getting employment,i desperately need to get my life back

Hi Larry, Bankruptcy can definitely help, although doing it without an attorney is very dangerous. If you have already been hired for your new job on the date your bankruptcy case is filed, then you must include the income you will be receiving as part of your budget.  Depending on how much you'll be earning and what your expenses are, you may or may not qualify for Chapter 7 at that time. Worst case scenario is you may need to do a Chapter 13 partial repayment plan if your income is too high. The only way to figure out the correct path to take is to have a consultation with an experienced bankruptcy attorney in your area.  Most offer free consultations and it may very well work out for you to file bankruptcy after you start your job, and you can use your new income to pay for your attorney. Good luck.   Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.