Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Bankruptcy can absolutely help you.
Chapter 7 to wipe out all consumer debts, credit cards, medical bills etc.
As for support and domestic support obligations - those don't discharge in chapter 7 bankruptcy, just like educational debts.
Chapter 13 though, may help
You can pay off any CS or domestic support arrears over the next 3-5 years.
The mortgage can be surrendered in full satisfaction in either chapter, so that can help too.
You'd be off the hook for the mortgage in either case.
As to the attorneys fees, they are dischargeable, unless they are determined to be domestic support obligations.
If they are determined so, they won't discharge in chapter 7, but can be paid back in the chapter 13
Chapter 13 will require income though, so you would have to show that you could afford the monthly consolidation - so you may have to wait until you are working to make that happen
in either case, meet with a local bankruptcy attorney, they can review the order for the attorneys fees to see if it would be dischargeable in chapter 7.
Chapter 7 may help wipe out a lot for you, and then you can focus on paying back the support
Let me know if you have any further questions. Sorry it sounds like this all came down on you at once, but there is hope, so hang in there!
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