New here need some help

[altondalton]

I'm in AZ and have about filing for chapter 7. I have around $50000 in student loan debt and almost $22000 in credit card debt.

I do have a job, but get less than 32 hours a week and get paid only $very little per hour. I'm having difficulty paying all my bills every month. I've had to move back in with my parents.

I'd be able to pay my student loan debt easily if I could discharge my non student loan debt.

Does chapter 7 sound like something I should do?

[tobee43]

it certainly sounds as though it is something your should explore as a possibility to alleviate your debt. if i were in your position i would call a few atty's offices and get some free consultations ...have a sit down and explain your situation and see what they say. after all they are FREE and i would go to at least 3 to make certain.

best of luck to you!

[buffetbuster]

You definitely sound like that might be an option for you. Your student loan debt isn't dischargeable in BK, will just be put into forbearance for a couple months. Definitely check with some attorneys though.