I have close to $200,000 in student loans. I have tried for the last 8 years to find a job that allows me to pay the $2,500 payment and have been unsuccessful. The loans have been in forebearance since getting out of school. I know that student loans are not usually dischargable in bankruptcy but there is no way I can ever pay this. The amount keeps growing as interest keeps getting added on. Is there any way that student loans can be discharged?

Please explain if co-debtors are also protected or how it affects them. What determines if they get a stay and if they do, can it later be lifted and why? Will co-debtor in a Chapter 13 have to file also? And if they don’t file are they still responsible for the same debt?

I am experiencing some financial hardship and need to file Chapter 7 bankruptcy but don’t have money for an attorney. Are there any options for me? Should I file myself? Should I consider consumer credit counseling?

Can you file Chapter 13 if you have previously filed a Chapter 7 bankruptcy?

I MADE 99000 IN 05 AND IN THE YEAR 06 I AM STILL MAKING 4000-5000 A MONTH. I MISMANGE MY MONEY AND I AM IN LOSEING MY HOUSE AND MY CAR WAS REPO CAN I FILE CHAPTER 7 I AM WAY BEHINED. I AM IN SALES SO MY INCOME IS UP AND DWN…

My husband and I have our own business. We are currently in Chapter 13, there have been some changes in our finances; beyond our control, if we convert to Chapter 7 will we lose the items that we work with? ie: wreckers, automotive tools, etc?

I filed Chapter 7 bankruptcy in 2000 and on my credit report it states that it will continue on record until 2010. I thought it was only supposed to be seven years? Also some of the things that have been discharged are still on there and I was wondering if I have to wait the ten years for them all to come off my record?

I filed a Chapter 13 in Sept of 2005 I quit making my payments and it was dismissed. Can I file again now?

What about all the little things in my home? My digital camera, my TV, & other not “high dollar” things but things that are valued over $100. My daughter’s bike & other things. I’m recently divorced & own my car (paid for) it’s 10 years old & has 117,000 mls on it. Maybe worth 3 grand. My car isn’t just for myself it’s also for my daughter. Is that taken into consideration when going bankrupt? I’ve heard the basics on your home & car & things valued over $1000 but what about the other things? Does someone come into your home & itemize or something what they can sell?? I don’t mean to sound dramatic, but this isn’t mentioned anywhere online that I can find.

I am only 20 yrs. old, however, me and my fiance used a credit card after I found out I was pregnant to get an apartment and such. So I owe on that 1000+. Then when the baby came, my fathers insurance dropped me 2 days before the baby came. Now I’m stuck with those bills as well. Is bankruptcy a good option for me?