Single guy, living alone in Oregon. With my Student loans and credit cards, I have about 125k in unsecured debt. I started a new job in June after two months of unemployment. I’m looking into a Chapter 7, filing in Dec. This time period would have been enough for the means test except for getting some help from my family during the unemployment, as I also had to move into a new apartment.
Adding that and selling personal items online, it put me over the first part of the means test. On the second part, and assuming I buy a car, I’m still about $300 a month shy of being under 25% of my unsecured debt.
I’ve been talking to a lawyer but it’s $500 and he is old and isn’t willing to do a chapter 13 due to the timeline. He gets great reviews, but unless my math is wrong or there is a trick I don’t know, it doesn’t seem possible.
But something needs to change – I’m in the hole every month with minimum payments and if I have to pay for everything in cash, things are going to start being missed.
submitted by /u/NoGoodInThisWorld
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