Timothy Denison's answer You will have to find the bankruptcy filing. Once located you can file a proof of claim for her wages in that proceeding. She is a creditor so if she hasn’t received notice of bankruptcy filing, they probably haven’t filed.
Cristina M. Lipan's answer Legal aid will help you draft your bankruptcy petition, but will not actually represent you. This is not the kind of legal work that attorneys will do pro bono. If you have no income or assets then you're essentially judgment proof anyway, so bankruptcy is not urgent and you can wait until you have the money to pay for an attorney. You might be ok filing on your own if you have no assets to protect, but mistakes can complicate things for you.
Leonard R. Boyer's answer Yes you will be able to file for Bankruptcy, your income is not a problem at all. Do not let geographic restrictions get in the way of retaining the best attorney. Pick the best attorney you can find and remember one rule: a good attorney is generally never cheap, and a cheap attorney is generally never good so don't choose based on price.
Leonard R. Boyer's answer If you don't already have an experienced Chapter 13 attorney, then you need to get one. This is not the way to handle your case. You are NOT likely to get a refinance while in Bankruptcy and if the mortgage broker you spoke to told you that, then they are clueless or have some nefarious motivation. You need to seek a mortgage loan modification through the Bankruptcy Court's mortgage modification program, you are so far in over you head, you have no clue. Trying to represent yourself in Court...
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