Divorced at a young age, she raised her daughter on her own. Now retired and living in her daughter’s home, she has accumulated $16,000 in credit card debt. Try as she may, she has been unable to pay off this debt with her pension and social security.

I determnined there there were no hidden risks to a bankruptcy filing, I gave her two choices: (i) file chapter 7 to end the phone calls and give her closure; or (ii) don’t pay the cards and just dont worry about it, because her income was exempt from creditors.

In either event, she did could keep her car without risk.