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after being abroad , many questions

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    after being abroad , many questions

    In advance thank to everybody, who is going to take time to help me .

    Hello to All !

    I am in situation which is definitely way over my head , and I need guidance and help very , very much .

    I am 60 years old woman , after two divorces, and practically homeless, in not very good health ,
    deeply heart broken as well, but this is another story .

    Huge CC debt , long stories, ensuring everyone , no any fun out of this money, all went for lawyers fees .

    I stopped to pay one year and a half ago .

    I do not have any possessions , my income is 1700 a month , alimony .
    Due to serious problems with my health I spent 2 years in Mexico,
    I got some efficient help, but all my modest savings are gone, and I own
    money to private parties, which I absolutely will pay off, what I am doing,
    but I am more and more poor, to extrema already .

    I am American citizen, for many decades, but my origin is from Europe .

    Not long ago, I received the news from my sister, that we are entitled
    to some heritage ( my mother died 2 years ago, at beautiful age of 90) .

    Expected money, are in 20-30k range .

    For me absolutely life saver .

    I want to go back and do bankruptcy , so if I would get this money, creditors do not take it from me , and besides having this money, I am hopping to be able to restore
    my life a little bit, for this I need bancruptcy .

    I DO NOT HAVE SLIGHTEST IDEA HOW TO ORGANIZE MYSELF ; TO MAKE IT EASIER ,
    DOABLE; AND NOT TO MAKE NOT REVERSABLE MISTAKES !!

    Please tell me what and how to do .

    I live practically full time in motor home, sometimes, here in Mexico , I rent something .

    Before I left States , I was living in trailer park, in nice park model trailer, but I sold it and bought motor home , it is not on my name .

    Now to rent anything for me , is absolutely out of range, and no existing credit would not allow me anyway .

    The only solution, the most likely is camping . ( I have two dogs) .

    Can I do bankruptcy living on the camping ?

    Does is matter what state I am going to be ?

    Do I need to go to California, where I had my CC and lived for long time ?

    How am I going to declare and proof my living expenses ?

    Am I at all going to qualify for chapter 7, with "huge" income of 1700,

    if I will live in motor home on camping, let say 600 a month "rent" ?

    What would you do in my situation ?

    In addition I am very afraid of lawyers, because , well...,
    because I have excellent reasons to be .

    Any advice so very welcome , appreciated and so much needed .

    e

    #2
    Eva, I really think you need an attorneys advice, even if you are afraid of them for whatever reason. You have so many variables here (state of residency? an inheritance..living sitation..) that I doubt we would be able to offer any concrete advice on how to help you, or rather, how you can help yourself. (The inheritance alone raises exemption questions depending upon your state of residence for filing purposes and since you spent 2 years out of the country that throws a kink in to things.) Please visit 2 or 3 bankruptcy attorneys for an initial consultation. You will feel much better about things afterwards. Good luck to you.
    Filed Chapter 13 02/2006 - Confirmed 05/2006 - Discharged 09/2011
    I'm not an attorney. My replies are merely suggestions or observations, not legal advice. As always, consult with an attorney before making any decisions.

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