Long time lurker, first time poster. I have finally reached the bottom. I have about $20,000 in cc debt and owe $10,000 to Honda for a repo. The car was worth 17k but they sold it for 7k. I have no assets besides a 1200 truck with a blown motor my mother just had to pay to replace. I have no job but will be back at work shortly, hopefully. Most jobs I qualify for and interview for are 12/hour. Comes out to roughly 25k a year.
I would pass the means test for chapter 7 for being below median income in NJ and also by calculating disposable income per legal consumer. My question is I live in a apt with my Mother and Brother. Brother makes decent money (13/hour) Mother is fully disabled from having 8 strokes, epilepsy and aerotic valve replacement she receives ssi or ssd (not sure of which) even with there income factored in I am still under median income and pass disposable income test.
My question is how would I file? Would I have to include them? Or would I do this by myself? I am going to file with an attorney within 2-3 Months. Just dont know if I have to bring them into this mess with me. Im tired of robbing peter to pay paul and having my mother pay my minimums for me, I feel less then scum.
I understand the 341 and the whole process. Do I have anything to worry about if I am under the Median and disposable income with me solely and with family included? I look back and 2 years ago I was on top of the world and now I am living like a bum. Only positive is this is the best education I have ever received in my life. I will truly enjoy the small things in life and not live in debt to keep up with Jones' I will never be in debt again, no c.c. no car payments, nothing. Mother always taught me to stay away from credit cards because there evil, and I wish I listened. This stress has actually brought me to my knees and made me cry for the first time I can remember. Just makes me feel like I am not a man, should be supporting her, not the other way around.
BTW I am glad I stumbled upon this site. Vast amount of info and you guys are very nice and kind with your help. I truly appreciate this help. Thank you all in advance!
I would pass the means test for chapter 7 for being below median income in NJ and also by calculating disposable income per legal consumer. My question is I live in a apt with my Mother and Brother. Brother makes decent money (13/hour) Mother is fully disabled from having 8 strokes, epilepsy and aerotic valve replacement she receives ssi or ssd (not sure of which) even with there income factored in I am still under median income and pass disposable income test.
My question is how would I file? Would I have to include them? Or would I do this by myself? I am going to file with an attorney within 2-3 Months. Just dont know if I have to bring them into this mess with me. Im tired of robbing peter to pay paul and having my mother pay my minimums for me, I feel less then scum.
I understand the 341 and the whole process. Do I have anything to worry about if I am under the Median and disposable income with me solely and with family included? I look back and 2 years ago I was on top of the world and now I am living like a bum. Only positive is this is the best education I have ever received in my life. I will truly enjoy the small things in life and not live in debt to keep up with Jones' I will never be in debt again, no c.c. no car payments, nothing. Mother always taught me to stay away from credit cards because there evil, and I wish I listened. This stress has actually brought me to my knees and made me cry for the first time I can remember. Just makes me feel like I am not a man, should be supporting her, not the other way around.
BTW I am glad I stumbled upon this site. Vast amount of info and you guys are very nice and kind with your help. I truly appreciate this help. Thank you all in advance!
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