And tons of bills. Mostly medical bills harassing me (30000+)and old credit cards(10000)?
Will this effect my student loans I now receive? I am a grad student.
The medical bill company said they will take my student loan money so I want to file B to get them out of my life!
You can file like anyone else files, fill out the docs and submit them to the courts. Your Student Loans are extraordinarily hard to be included in unsecured dischargible debt. So, this will most likely not change your student loans at all. Do not place your medical bills on Schedule B, place them on Schedule F as an unsecured non-priority debt. File for a Ch 7, as this will discharge your unsecured debt and not restructure it like a Ch 13. Speak to a bankruptcy attorney and get some first hand advice on what and how to do a successful bankruptcy.
You don't need to hire an attorney to file bankruptcy. It's cheap and easy to file your own bankruptcy. You can get a hand book that will guide you through the entire procedure and that includes the bankruptcy forms you need to file at the website below.
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