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I Got Sick and We Lost the House in Foreclosure. Should We Consider Bankruptcy? – Katlyn

“Dear Lewis,

Myself and my husband bought a house very young (I was 19 and he was 21), but I had to have emergency back surgery and was unable to work for 6 months so we fell behind on everything relying only on his income. We had to forclose on our house less then a year ago. We have medical bills, car bills, and credit card bills that we are just not able to pay. We are both working full time and make a decent income but we are so far behind that we cannot keep bills paid.

Although we make a decent income is it possible to file for bankruptcy considering we end up with $10 in our account after trying to pay everything we can? Our credit is already ruined after the forclosure so our credit is not very important right now, but getting out of this awful situation is. Any advice would be helpful.


Dear Katlyn,

Bankruptcy is usually a very good option in your situation. You acknowledge that your credit is already ruined – which is half the battle in convincing people bankruptcy is the best option.

And if you have nothing left over each month after paying your bills, then it sounds like you easily qualify for chapter 7.

Please see a bankruptcy attorney in your area to make sure you qualify. Almost all attorneys offer a free consultation.

Good luck!

My name is Lewis Roberts and I’m an attorney licensed in Florida and Georgia. My practice focus is consumer bankruptcy, real estate issues/closings, and mortgages. I also have Florida real estate broker and mortgage broker licenses. I am a proud member of the National Association of Consumer Bankruptcy Attorneys (NACBA), National Association of Consumer Attorneys (NACA), and a graduate of Max Gardner’s Bankruptcy Boot Camp. I enjoy helping people with decisions that impact their financial well-being.

Legal Disclaimer: This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.

If you have a bankruptcy question you’d like to ask just use the online form.

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About Lewis Roberts

Lewis Roberts
Florida Consumer Protection Attorney

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