Will need to file soon, need help

[2live]

I have been undergoing treatment for breast cancer and just when I thought I was out of the woods it has spread again. I've been out of work since August 08 (due to shortness of breath) and drawing short term disability that will run out in Feb 09. I have already applied and was approved to recieve social security disability with payments starting in March 09 at 1/3 of what my usual salary is when I do work.
When the st disability runs out there is no possible way to pay any of my retail debt and keep a roof over my head, car and food so I believe my only option will be to file chapter 7. I would reaffirm my house and car as I need the car to get to treatments/appts. There are no assets to speak of, no savings or investments.
Questions: Does it matter that I am NOT behind on any bills at all right now (but come Feb I will be BIG TIME).??
And: How long does the process usually take from the time you file to discharge?
And: If my daughter lives with me but has her job and makes her own money, will that affect anything?

I appreciate any help you can give me.

[liz417]

I have been undergoing treatment for breast cancer and just when I thought I was out of the woods it has spread again. I've been out of work since August 08 (due to shortness of breath) and drawing short term disability that will run out in Feb 09. I have already applied and was approved to recieve social security disability with payments starting in March 09 at 1/3 of what my usual salary is when I do work. First, I wanted to say that I'm sorry about your breast cancer. Your health comes first.
When the st disability runs out there is no possible way to pay any of my retail debt and keep a roof over my head, car and food so I believe my only option will be to file chapter 7. I would reaffirm my house and car as I need the car to get to treatments/appts. There are no assets to speak of, no savings or investments.
Questions: Does it matter that I am NOT behind on any bills at all right now (but come Feb I will be BIG TIME).?? You don to have to be behind on anything to file BK. And: How long does the process usually take from the time you file to discharge? For a timeline of the BK process, go to the main page to "Bankruptcy FAQ" and look for a sticky thats titled "Key steps in the process of bankruptcy." All the info is there. And: If my daughter lives with me but has her job and makes her own money, will that affect anything? Does she pay you rent? You will have to disclose any $$ she gives you for bills, rent. etc.
I appreciate any help you can give me.

You should speak to a few local BK attorneys, who will guide you in the right direction for your situation. Most offer free consultations.
Best of Luck to you!