Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Thank you for your information. I am happy to assist you.
I cannot see an advantage for you to file a Chapter 13 bankruptcy at this time.
Based only on the information contained in your post, you have no assets that a creditor can attach or wages that can be garnished. You are basically judgment proof. This means that if a creditor were to sue you and obtain a judgment against you, the creditor could not levy on anything of yours to collect the money from you.
You are eligible to file a Chapter 7 bankruptcy after 8 years have elapsed from your date of discharge. My calculation based on your post is that you could file again after April 2009. However, since you are judgment proof there is no rush to file a Ch 7 even at that time. You can choose to wait to see if you have any further medical bills to include in your filing.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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