I am 36 years old, have no job, have not worked since January 2012. Therefore,I have no income at all. Prior to that, I was out of work since June 2010.
I have chronic migraines, have been through three neurologists. The one I am working with now helps, but the headaches are still too frequent and severe for me to commit to a job. There are side effects from the migraines that manifest themselves even when my head does not hurt. I have been in the position of being unable to pay hospital bills and have had to request debt forgiveness from them. The hospitals granted my request.
I have $36,000 in outstanding credit card debt
, and $3,500 in outstanding student loans. I have no savings other than a small retirement package from my former teaching positions. I do not own a car. I live with my parents and they have supported me, kept my credit card payments and student loan payments current until now, but my Mother has retired and my Dad is retiring in October. They are unable to continue to support the credit card bills. They are going to continue to make the student loan payments until the student loans are paid off.
My health insurance is very limited; I can't get traditional coverage because of my migraine situation. What I have now is expensive and my parents pay it. I have limited insurance benefits for prescriptions, some of which cost $100 per application (injectable migraine medication).
Am I a good candidate for Chapter 7
bankruptcy? I hear that filing for bankruptcy is expensive and, as stated above, I have no assets
or income. I need guidance in this area and in the area of insurance, perhaps even Social Security Assistance income and eligibility for Medicare.
Can you provide any advice?