Q: i am 71 years old,i have been living off my credit cards. at my age i will never be able to pay them off.this will be my
it will be the third time in my life to do this.i am sick to my stomach over this but i have no other choice.i bought food paid bills and i can barely keep my head above water......please help
A: Check with your local bar association or legal aid society. They maintain lists of pro Bono and reduced fee attorneys.
A:
It might seem odd to say but you might just be "judgment proof". In other words, you might not have any non-exempt assets or income for an unsecured creditor to pursue. If that's the case and if you can stomach it, you can essentially ignore the calls and letters. However, that's not usually the wisest strategy. Plus, 71? You could live until your 91!
The fact that you've filed three (3) times indicates an issue. Obviously. And depending on when you last received a chapter 7 discharge, you need to be sure that you are eligible to get another one.
A simple chapter 7 (no tax, self-employment, litigation or special/weird issues) usually costs a couple thousand dollars plus the court's filing fee.
A: I'm really sorry to hear that you're feeling this way, but it's very important to talk to someone who can help. Please reach out to a mental health professional or a trusted person in your life who may be able to support you.
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