Q: Been in bankruptcy since 2018. Since covid I am to the point of being worse then broke. How do I talk to get out of now
Bankruptcy since 2018, never missed a payment. Been doing it successfully, but since covid and working directly with covid patients I cannot get extra work since I'm constantly exposed. So I have not been able to get extra work. Now I cant pay my insurance, pay my utilities or my gas to keep going to my job. I cant make it anymore. I need out of this Bankruptcy just so I have some money to even survive and continue to go to work
A: If you have been in bankruptcy since 2018 it sounds like you filed under Chapter 13. A chapter 13 bankruptcy can typically be voluntarily dismissed at any time. Although before you dismiss you might explore seeing if you can modify your plan and possibly lower the payment. Under the CARES act, you can also extend the term of the plan which might allow you to lower the payment. Furthermore, you might also be able to convert the case to chapter 7 which doesn't require a plan payment. All of the decisions require a closer examination of your facts in the case. If you have an attorney I recommend speaking with them otherwise many attorneys offer consultations and might be able to assist you.
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