Before May of 2009 I NEVER had anything late, no credit cards, no car payment no utilities late! But on May 2, 2009 my son was a passenger in a horrible car accident where I had to stay in the hospital with my son for over 53 days and EVERYTHING fell behind in July, 2009 since then, it seems like I CAN’T catch anything up and now I have 60 days behind on my car twice. And we have over $300,000.00 in medical debt that I CANNOT pay. I was layed off my job from August, 2009 until September of 2010, and was paying COBRA health insurance for my son until August of this year, when I moved to another state to get a job. I have a bankruptcy chapter 7 on me from 2004.
My question is can I even file bankruptcy, and if I can which one would it be chapter 7 or 13 since my discharge was 2005? And I am filing for divorce shortly and my income is going to considerably drob even more then. I am just at a loss. We have NO health insurance, we have NO savings, we went through all of that. I just don’t know what to do…. And I cashed out my 401K to put down some money on a home to purchase in a land contract that I have to buy myself in 7 years so I need cleaned up credit by then…. HELP?????!!!!!!!!
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