QUESTION

How do I get New Life Programs of file chapter 7?

Asked on Nov 03rd, 2016 on Bankruptcy - Wisconsin
More details to this question:
I'm trying to figure out how to restart my life. I freaked out in about 2008, where life decided to spin out of control. After 2 DUIs, and a drug addiction, I decided to move in another state. I moved in with my grandparents, where my drug addiction got me kicked out of. I moved to another state. I lived with a friend, but I was seriously depressed. The job that he was training me in was construction and it was close to being the snow season, so I got a bartending job instead. I was depressed, so I went drinking with some new coworkers. I got overserved at a bar, tried to get back to the only place I knew. A new city, got pulled over and arrested. I spent 3 days in jail, because none of the guards would tell me how to dial long distance. Finally, a guard took pity and called my mom for me. She bailed me out of jail. I was scared of the police. They seemed overly aggressive. My lawyer didn’t show up a couple times. I don’t want to mention names, but the judge gave me an ultimatum. That he shows up or I go back to jail. To shorten the story, I have been homeless, and living off friend’s couches, my girlfriend’s apartment, once in an attic of a coworker, anywhere I could. I ended up in another state. I have realized that I have a very bad addiction problem. I have terrible debt. I have no license, no car to drive, no bed of my own to lay my head. That means no health insurance, to pay for expensive addiction centers, not even a hundred bucks to my name. I know I need a lot of help. Where should I start? I have a 30 hour a week job, and have been living with my girlfriend. I should be capable of filing for chapter 7. I need rehabilitation, and I need my legal matters settled. Please help and reply soon.
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1 ANSWER

You certainly have a number of serious problems. I'm not sure how a Chapter 7 would do you much good. It will not discharge fines or penalties imposed on you. It will not provide with counseling or therapy for your substance abuse problem. It will discharge most other kinds of debt. BUT based on your account of things, you are now apparently judgement-proof, meaning that no one can take any property away from you, since your earnings are almost certainly exempt, and you don't have much other property. I think you need a social worker much more than you need a lawyer-at least, based on your question. You probably can find free or low-cost services through your town or county government, and I'd encourage you to go to the town hall or some similar location and ask about addiction services. Fighting your way back could be hard, but it sounds like you are preparing yourself for it.
Answered on Dec 08th, 2016 at 5:59 AM

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