From upstate New York; Question about new bankruptcy laws and being insolvent.
Due to a recent separation and living on 1 income instead of 2 is there any way around the new laws to be able to file before it has been 8 years? The first time was a chapter 7 in 2002 due to being laid off. Now my credit in as poor as it can get and I have bill collectors after me. Between my rent, utilities, car payment, insurance and medical expenses I'm coming up short every month. I have made arrangements with 3 companies so far but can't afford to pay any more out. And I've been looking for part time work. Basically I've become insolvent and I've even tried debt management but can't afford their monthly figures either. Is there any way out for example filing a Chapter 13 instead of a 7. I thank you in advance if you've offered me help!!
Due to a recent separation and living on 1 income instead of 2 is there any way around the new laws to be able to file before it has been 8 years? The first time was a chapter 7 in 2002 due to being laid off. Now my credit in as poor as it can get and I have bill collectors after me. Between my rent, utilities, car payment, insurance and medical expenses I'm coming up short every month. I have made arrangements with 3 companies so far but can't afford to pay any more out. And I've been looking for part time work. Basically I've become insolvent and I've even tried debt management but can't afford their monthly figures either. Is there any way out for example filing a Chapter 13 instead of a 7. I thank you in advance if you've offered me help!!
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