Can I file Ch.7 for free?

[NYCountry]

I didn't have to pay the counseling or management fees. My income is SS Disability and I just had to fax them a statement.

I did have to pay the filing fee in installments. The judge thought I was rich because I own my own home and have a car. I wrote back to him and told him I might own them but they are falling apart and I live in one little room because I can't afford to heat it. He sent another denial letter. grrrrr.

[JRScott]

I agree your situation is pretty much judgement proof.

As for the fees, I think some of the Credit Counseling and Financial Management courses also offer a waiver of fees for the needy. You might need to look into those as well.

[arami008]

I will definately try and get as much as I can waived...I was looking at SPringboard Credit Counseling....any word on that co. Thanks in advance...