So I'm think of filing on my own

[A2976]

I want to file chapter 7, I live in Southern California. I have 4 cc debt that accumulated up to 32000. Haven't made a payment since Nov 09. I have no secured debt and no assets, except for a car that I believe is exempt. I make less then 30000 a year and am single. How difficult would it be for me to file on my own, and where would I start. Any good book references or threads on this site would be appreciated.

Thanks

A2976

[tigergem]

I would recommend that you start here and take the means test. That will help you to understand better.

http://www.legalconsumer.com/bankruptcy/means-test/

Good luck.

[justbroke]

And then, consider buying the NoLo Press' Chapter 7 guidebook. There's a discount code around here somewhere. I think it's "416" and should get you a decent discount.

[A2976]

Thanks for the advice guys. I already purchased the Nolo book after checking out the link that tigergem gave me. Have been doing a some reading and looks like my case is simple enough I can skip right to chapter six and start my BK

[tigergem]

You're going to file a Chapter 6? Wow. Aren't you pioneering.

[A2976]

Hahaha your funny. I guess I should better clarify, what I meant was in the NoLo book "How to File for Chapter 7." It explains early in chapter one if I didn't have any home or other property or secured debt, I could go straight to chapter 6 and follow their step by step procedure on chapter 7 Bankruptcy. Although I want to finish reading chapter one of the book to get a better understanding of the whole Bankruptcy process.

[tigergem]

I knew what you meant. I was just messin' with you.

[A2976]

I figured but for those other that my stumble across this thread. We could very well confuse them