What Chapter Bankruptcy Should I File? – Kim

“Dear Steve,

I have a lot of credit card debt as well as a number of deliquent hospital bills and other bills I do not make much. I also do not own anything. I am a full time student as well as working full time but I can not pay all these bills. I am getting numerous creditors calling.

I do not know how I go about finding all of my creditors that are wanting money. I also do not know how to figure out what chapter I would file. I would like to file chapt 7 but as stated before I do not own anything. except for my wardrobe. I will soon not be working due to school so then I do not know what I will do. I will barley be getting by on my financial aid! (I have 2 years left in school and will not be working the last couple of years as I will be to busy to do both) So I really need to be able to qualify for financial aid yet. What do you suggest??


Dear Kim,

I know this is easy to say but don’t panic. You can click here to find a local bankruptcy attorney and they will give you a free consultation and answer all your questions.

Creditors don’t want any of your used stuff so don’t worry about losing a thing.

Please post your responses and follow-up messages to me on this in the comments section below.


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.

Damon Day - Pro Debt Coach

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