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Chapters of Bankruptcy: IL Level
MichaelLCIn what furnace was thy brain?ChicagoRegistered Userregular
So I've been out of work for almost a year and half. I have a retail job, but it's a1/3 of my old salary. My wife works in sales and is almost 100% commission based. We've been paying the mortgage (which is in my name only) and utilities usually on time, but it's getting a little rough and her CC bills haven't been paid for months, resulting in 10 calls a day from collections. Combined we owe about $40,000 in CC bills, but our cars are both paid off.
Taking all that into account, we were thinking of having either just her or both filing for bankruptcy here in Illinois. We want to pay our bills, but honestly at this point there's no way, even when I do get a better paying job. Mainly we're concerned about our condo and cars. If it means no cable for a year, we can certainly live with that, but don't want to lose our house or transportation.
tl/dr; $40k in CC debt, own cars, income is spotty due to job loss and commission sales. Want to keep condo.
Any advice, experiences with this? What are the costs associated with filing? How do we pick a good lawyer/company? Thanks!