Need some help from knowledgeable people instead of these AI responses.
I’m considering filing for chapter 7 with about 17k in cc debt.
– Stuck making minimum payments with no way of getting ahead
– My car is paid off and worth about 4-5k
– I live in an apartment with my girlfriend
– I make around 55k a year
– I don’t have any valuables. Very minimalist person.
– I live in ohio
If I file chapter 7 what exactly would they take from me if nothing is technically in my name besides my old car?
Do they garnish my wages after filing? All debt is active and not with creditors or anything.
Do they liquidate the money in my checking account?
Besides paying a lawyer and fees is it just
pay lawyer – file chapter 7 – poof all debt gone?
I understand my credit score will drop and I won’t be able to open any credit cards or get loans for awhile and then will eventually need to rebuild my credit.
submitted by /u/NoCelebration8044
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