New Guy Here

[Chucksoutalu]

I put my screen name as Chucksoutaluck, but the it only shows up as Chucksoutalu !!

Ok here I go..............Disabled Vet on fixed income. Current on all bills, but I see the writing on the wall. Contacted Lawyer and ran the numbers. Said Chap 7 was the way to go.

25 grand in CCs, own 2 houses (one is my late moms but also my 6 siblings own a piece of it too) the other is where my kids live.


No real assets to speak of, just hate to admit defeat.

Anyways, I look forward to gettin it done, and using yall expeirances and advice to good use.

please excuse the spellin

[klandsb]

The first step is always the hardest ...From other post I have read on here alot of people wait to long and end up in a bigger mess then if they would of taken the plunge and got it over it.
You sound like a "Get er Done" kinda guy.
Good Luck

[lookingforward]

Good luck Chuck!

[aljohnson007]

What State are you filing in and what is your filing status - Individual or Joint?
How is the Deed to your property listed - Husband and Wife or something other? Please don't take these questions as offensive but if you want some good advice from members of this forum, you need to lay it all down. Looking forward to you getting some help.

[Chucksoutalu]

What State are you filing in and what is your filing status - Individual or Joint?
How is the Deed to your property listed - Husband and Wife or something other? Please don't take these questions as offensive but if you want some good advice from members of this forum, you need to lay it all down. Looking forward to you getting some help.

Florida is the state, Individual, Property is listed in both my name and my exwifes, part of a child support agreement. I wouldnt lose the house just cuz my kids live there and want them is a safe place.

appreciate any and all advice.

[aljohnson007]

Chuck, as you may know, Florida has some very liberal laws that protect homesteads and other exemptions. My C7 was rather simple so can't compare with your case. It looks like you will be OK except I don't know the answer to how the exemptions would apply to your property. I know your Vet income is exempt as well as Social Security. Think it best to talk to your attorney. Let us know and best wishes.

[frogger]

Best of luck to you Chuck. Read up and study. You can learn a lot here!