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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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Old 10-04-2005, 10:12 PM
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Join Date: Sep 2005
Posts: 11
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should I file

Illinois
I pulled my credit last night and my car that was repossed and my credit cards have already been written off as bed debt. The only things that really remain on there in collections are some med bills worth about $3,000. If I file chpt 7, will it wipe everything off and just show a bankruptsy or am I better off not filing and having "written off as bad debt" all over my credit report?
I am going to make an appt with a lawyer but I wanted some other opinions first.
Thanks
  #2  
Old 10-05-2005, 06:00 AM
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Join Date: May 2001
Posts: 6,450
Even though written off, you are still liable and may or may not get sued.
You give no information about your income, how mych you owe, equity in a home,etc. It's impossible to advise one way or the other.
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