Hi JACustomer,Given the information you provided, your mother can file a Bankrutpcy either now or after she retires (her employment income is below the applicable state level to file, which is $3,863 gross per month).
However, since it will cost her about $1,500 total to file, it may be better for her to do it now, as if her retirement income is less than she currently earns, she may find it harder to pay for the Bankruptcy after she retires.I know you didn't ask this, but if she is sure she wants to file, she can stop paying her creditors at any time, and instead put that money away to save for filing the Bankrutpcy.I think this is what you wanted to know. If not, please let me know.Thank you!
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