After lots of agonizing and worrying, I finally visited a law office this afternoon for a consultation about filing Chapter 7. The lawyer was very nice and spent about 45 minutes with me going over my options but his recommendation left me a bit puzzled...
I have 14k of unsecured debt on one visa card and that's it - Currently no job, no property, truck worth under 1500, no assets to speak of and living with my mom while trying to get back on my feet with some health problems. An open and shut case. His advice was to just stop paying that credit card bill and see what happens, saying I may get some harassing calls but ultimately they can't get water from a stone. That said, he said he would gladly take my case if I wanted but that was his advice overall and to just think about it.
Is this a viable option? I'm more confused now than before I visited him.
I have 14k of unsecured debt on one visa card and that's it - Currently no job, no property, truck worth under 1500, no assets to speak of and living with my mom while trying to get back on my feet with some health problems. An open and shut case. His advice was to just stop paying that credit card bill and see what happens, saying I may get some harassing calls but ultimately they can't get water from a stone. That said, he said he would gladly take my case if I wanted but that was his advice overall and to just think about it.
Is this a viable option? I'm more confused now than before I visited him.
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