I am 67 years old and have never, ever been late for a credit card payment. I was laid off from a law firm in March, 2009, after 6 1/2 years. During 2001 and up to Sept. 2002, I was living on credit cards. Then I finally got a job as a legal secretary for little money. Now, I'm paying off about $100,000 in unsecured debt and have no job. I have Social Security and unemployment
until at least May, 2010. I have a rent
-stablizied apartment in Manhattan. I have a total of $58,000 from my last job from 401k
and Profit Sharing funds, and about $35,000 in an IRA. I am trying to make payments, but unless I get a job, it will soon be impossible. In New York, is my IRA, 401k, profit sharing funds exempt from Chapter 7
bankruptcy? What is the total amount of money I can have when filing filing for bankruptcy. I have no car and as I said, just rent. I am getting sicker from this by the day. What can I do.