Has anyone filed on their own?

[hboyd4]

I wouldn't file with only 12k in credit card debt. Surely you can pay some over time to keep out of bk with for only 12k??? I wouldn't do it for that amount.

I know it seems like such a small amount of money but I don't work so I have NO money. I don't work an ounce so I have no income to put otwards it. I won't be able to pay anything until I work which won't be for at least a year and a half. So I can't imagine leaving my debt sit there that long.

[hboyd4]

If it came up to the trustee, you used the $500 to pay off a debt to your parents so I don't think that would be an issue.

How much longer do you have until you are finished with school?

That's good to know that shouldn't be an issue. I didn't hesitate to cash the check because I owe my parents that money and that was more important to me. I will be finished with school in about a year and a half. I can't imagine sitting on this for a year and a half. I guess it really can't get any worse right???