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It appears that you would be eligible to file a chapter 7 bankruptcy after July 19, 2013
A person can file Chapter 7 again if it has been more than 8 years since he or she filed the previous Chapter 7 bankruptcy or 6 years since the filing of a Chapter 13.
Since you are not correctly in any type of litigation, it appears that you are in a position to wait until July to file
You would be able to file without including your husband. A husband and wife are not required to file a bankruptcy jointly. One party can file without the other.
So in order to stay above water do I continue to pay my credit card bills I do hit and miss some because of money
Once you have made the decision to file bankruptcy, it is typically best to not make any further credit card payments.
Ok and what about the judgement that I have been paying on since 2009
The credit card bills will typically be discharged. The money would be typically be better spent on legal fees to retain local counsel to represent you in the bankruptcy
If you do not continue to pay the judgment, the judgment creditor may be able to attach your bank account
As far as the date my last bankruptcy was discharged do I go off the date I actually filed with the lawyer or do I go off of the date I got my discharge letter
the date that you filed
Ok well I guess I will continue to pay them at least
Ok and what about my car I purchased that in Nov 2012?
If you would like to keep your car it is important to continue to pay your car loan
if you do not want to keep your car, you can stop paying and the deficiency would be discharged
Would I have include my military star card because my spouse would get in trouble by his command if I did that card?
OK I would like to keep my car.
You can choose to pay a debt that would otherwise be discharged in the bankruptcy
Ok thank you very much.
It has been my pleasure to work with youPlease let me know if I can assist you in the future by requesting me directly.
so when should I start the process
because I know you have classes to attend right
or how early should I start?
I suggest that you meet with local counsel at your earliest convenience
typically bankruptcy attorneys offer of free initial consultation
Ok thank you and I will indeed request you in the future thanks alot!
are those required to file
yes that is correct
Thank you very much
You are welcome
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