Q: I am a low income senior with approx 10,000 credit card dept,can afford to pay should I file chapter 7,11 or what
You should talk with a lawyer. Many bankruptcy lawyers have free consultations. Chapter 11 is not what you want. It is for large businesses or people with very large income or very large debts.
Because you are a low income senior, you might not have to file for bankruptcy at all. First find someone you can talk to.
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