I am planning to file chapter7 very soon, I hope to keep my house and my old car..I have a mortgage on my house with no equity at this time..I have run up the cc cards a lot since the divorce after 30 yrs a little over 2 yrs ago but have managed to keep all pymts current and on time regardless but now what little money i have left {1000.00] will be gone and i realise that i will never be able to get any alimoney at all x is now on disability ! my att. had advised me to wait untill he was WAY behind {he had only paid 2 mo total}
so what i have left will be gone ....im 71 yrs old and only have ss to live and keep pmts up with. ive been reading on this site for 2 days now and thankgoodness it is here .it has helped my sanity..so thank you all..i live in alabama , the law on ch 7 has 3000.00 wild card ??? i have no idea what it means ..could it mean my 1000.00 may be safe in the checking acct ?
also my daughter was on 2 of my cc cards and used 1 frequently but not the other ....i took her off both cards last week but im concerned if i do this ch 7 that they may try to collect from her....since she was an authorized user up tilll last week.....can any one help me on any of this mess...I would be grateful
so what i have left will be gone ....im 71 yrs old and only have ss to live and keep pmts up with. ive been reading on this site for 2 days now and thankgoodness it is here .it has helped my sanity..so thank you all..i live in alabama , the law on ch 7 has 3000.00 wild card ??? i have no idea what it means ..could it mean my 1000.00 may be safe in the checking acct ?
also my daughter was on 2 of my cc cards and used 1 frequently but not the other ....i took her off both cards last week but im concerned if i do this ch 7 that they may try to collect from her....since she was an authorized user up tilll last week.....can any one help me on any of this mess...I would be grateful