Q: I have credit card debt under $15,000, disposable monthly income of $200, and a home. What bankruptcy should I file?
I have credit card debt under $15,000, disposable monthly income of $200, and a house that was given to me that appraises at $48,000 that I wish to keep. And I have no other assets of value over $1,000. What bankruptcy chapter should my attorney file? A chapter 7 or chapter 13?
A: You should file a chapter 13, but I do not think that your disposable monthly income is enough to payoff enough of the debt to keep the house
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