Colorado 2017 our house burned down and we lost everything. The only house we could find was higher rent. Months later I get demoted in a political coup and lose roughly 27% of my net income.

2018 we're under so many garnishments and threats of pending new ones we can't afford to live....

I feel like such a PIA and I've tried searching for this answer, but didn't see anything that would help me figure this out. I appreciate all the help you guys have given me.

I hired an attorney who only does Ch. 7 BK. She assured me we passed the means test by enough that it won't be...