Yes, Chapter 7 will be your best option at this time and you do meet the means test. These are the current income guidelines for NY State: Household of one person $46,523.00 Household of two persons $57,006.00 Household of three persons $67,991.00 Household of four persons $83,036.00 Add $6,900.00 for additional individual
Just a little clarification:
Yes, Chapter 7 will be your best option if you meet the income guidelines for your state. If your income is equal to or less than the income for your household size for your state you will be eligible to file a chapter 7. These are the current income guidelines for NY State: Household of one person $46,523.00 Household of two persons $57,006.00 Household of three persons $67,991.00 Household of four persons $83,036.00 Add $6,900.00 for additional individual
Shutting your phone off is a good idea. It does not help to speak with the collectors when you do not have any money. No matter what you tell them, they don't care. They only want one thing from you: money.
Check out http://www.bankruptcyaction.com , http://www.lawyers.com, http://www.findlaw.com, http://www.attorneypages.com for bankruptcy attorneys. Review the attorney's credentials--check out their web sites. Call several attorneys to see which one will be a good fit for you. Ask questions and see which one takes his/her time to explain things to you so that you know exactly what your responsibility will be before, during, and after your bankruptcy filing and then choose one.
I wish you the very best.
Due to technical difficulties on the site tonight my responses to your questions were somehow delayed.
Kindly login and view my entire responses to your questions.Let me know if you need further clarification regarding how to find a good bankruptcy attorney.
All the best,
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