“Dear Steve,
I am a 73 year old senior. I work 5 days a week and receive social security. I have debts from way back when I was married and some more recent ones. I probably owe between 10 and $20,000. I cannot answer the phone and if I do I get harrassed. I am so stressed and I keep robbing peter to pay paul. I cant pay all of this with living expense so high. I am tired and stressed and would love to be able to quit working but I see no possible way. What should I do? Thank you,
Should I file chapter 7 or what other option do I have. Please helm me.
Patricia”
Dear Patricia,
I think the place to start in evaluating your situation is to start with expectations. Is it a reasonable expectation to assume you can dig yourself out of this hole when it appears you don’t have enough income to make ends meet? Probably not.
Your ability to quit work depends on your ability to afford your life without your debt. But at the very least you can help to reduce your debt to a point where your life is more financially manageable.
Chapter 7 bankruptcy is a legal and available tool for people to consider when they need help. Before you make any judgments about bankruptcy I suggest you click here to find a local bankruptcy attorney and talk your situation over with them.
While I’ve told you what expectations are not possible, let me tell you one that is. It is a reasonable expectation that if you take action to address the debt that bankruptcy may eliminate a great deal of the day-to-day financial stress you feel. And that’s a good thing.
Please update me on your progress by 
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Patricia,
It sounds like you may qualify for pro bono bankruptcy help. Follow this link for free help in your state.
Steve
Thank you for your answer, Steve. It was very helpful. The problem now is that I have checked with bankruptcy attornies but their fees are so high. I dont have that kind of money to pay them that much. One of them told me “save it up and call me.” I need help now. Is there any other options for me? Thank you
Thank you for your answer, Steve. It was very helpful. The problem now is that I have checked with bankruptcy attornies but their fees are so high. I dont have that kind of money to pay them that much. One of them told me “save it up and call me.” I need help now. Is there any other options for me? Thank you
Patricia,
It sounds like you may qualify for pro bono bankruptcy help. Follow this link for free help in your state.
Steve
Thank you, Steve, for your advice. I have tried finding a bankruptcy attorney that didn’t charge so much. They are so expensive that I really can’t afford one. Your advice did help and I will let you know how it goes.