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