Dumb questions

[armstrow]

Hello guys, long time reader, going to start talking to attorneys next month. I hope to qualify for a chapter 7, but my situation is weird. Me and my brother have an apartment, my mother had to come live with us basically because of health issues and she has no were else to go.

All three of our names our on the lease together now. Me and brother Both got laid off 7 months ago and are on unemployment. He makes about 1300 a month after taxes and I make about 1600 a month after taxes. My mother makes about 700 a month from disability.

The only catch is, her and my father still file there taxes together, he does not live with us but they are still marries together

The median income is 7173 a month in NJ, but thats for the three of us, would I have to do for the three of us, or just me? Also would her and my brother have to be included on my bankruptcy? I dont want there credit affected because of my ineptness to handle money. Thank you in advance

[Flamingo]

There is nothing weird about your situation. Only if you have any joint credit accounts or loans with any of your family members would they have to worry about your bankruptcy. The way you are living encompasses a household so all income/benefits coming in is considered household income. You share in a portion of the expenses of the household.

[armstrow]

I signed for a lease on my brothers car that matures on 03/13/11 but he is so far ahead he willl have lease payed off this month and is turning car back in because he hates it and its high insurance. By the time I file for chapter 7, the car will have been gone for about 3 months. anything to worry about? also i read that disability income does not go against median income

with just me and brother it is about 2900
with her disbility it is around 3600

Either way im not even at half the median income. Any body forsee any problems?