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I'm so depressed. My wife and I filed Chapter 7 Bankruptcy in August 2019 because I had to retire at 62 because of a bad back and social security wasn't going to pay my debts. Now I'm 65 and my wife is 73. I personally have credit cards and 2 personal loans. All unsecured. And... View More 
answered on Sep 14, 2022
Chapter 7 is not available to you until August of 2027 since Chapter 7 can only be filed every eight years.
Chapter 13, a consolidation of your debts, may be possible depending upon your budget.
The best thing you can do is contact an experience Bankruptcy attorney in the county in... View More
I have never missed a payment before. I have been short once, but never missed a payment. will my case be automatically dismissed. I've tried to get in touch with the trustee. . .line always busy.
answered on Sep 24, 2021
Generally, a Trustee won't file a motion to dismiss with one payment missed. You will need to make up that payment.
It can easily be done by adding some money to your next payment and doing so each month til you are caught up.
I hope that helps.
Joseph Wrobel... View More
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