Hi - my name is Chris and I'm a Bankruptcy and Consumer Protection attorney here to assist you.
1) Based on the information you provided, Bankruptcy is a good option. Your mother is correct to be concerned about the life insurance and your inheritance - as some of both can be taken to pay your creditors.
If you file a Bankruptcy at least 6 months before you become entitled to receive life insurance proceeds, and also an inheritance, then both will be safe.
2) If you file a Bankruptcy, you will be expected to show up one time with your attorney. You will be expected to attend a 'trustee meeting', not to go to court.
If it is impossible for you to attend your trustee meeting, it is possible for the meeting to be conducted over the telephone.
great, thank you for your answer i really appreciate it
And please have a pleasant day.
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