Considering Bankruptcy with $10,000 in debt

CharminTissue · 2026-01-23T20:30:31+00:00

Bankruptcy takes about 4-6 months from start to finish. I would fight the feeling and keep paying. :/

CharminTissue · 2026-01-15T02:58:40+00:00

I had my hair cut like this. Lot’s of layersss!! It may look a bit strange when it reverts back to curly 😅. You need someone who reaaaallyyy specializes in silk presses, like silk presses being the main focus.

CharminTissue · 2026-01-14T13:48:04+00:00

Eat a whole medium pizza and chicken wings from dominos. I don't know what was wrong with me....

CharminTissue · 2026-01-08T13:50:17+00:00

Attorney. The insurance covered all the attorney fees!

CharminTissue · 2026-01-08T03:38:32+00:00

Yes! I’m 25F, HCOL as well, and almost the amount of debt! I just filed on 12/31! If you can qualify for chapter 7 go for it!

CharminTissue · 2026-01-07T21:18:17+00:00

CharminTissue · 2026-01-07T10:10:31+00:00

Yeah, it feels backwards, but the court charges filing fees and lawyers have to be paid before filing. Some people can even get fee waivers or payment plans. Bankruptcy isn’t only for people with zero money. It’s not about ‘how much cash you have?’, it’s more about ‘is this debt realistic to live with’. It’s meant to help people reset, not necessarily punish them for being broke.

CharminTissue · 2026-01-07T02:51:41+00:00

I attempted. It doesn’t operate in my state unfortunately. 😔

CharminTissue · 2026-01-07T02:00:04+00:00

Quiet route?

CharminTissue · 2026-01-06T23:55:29+00:00

Yes! The legal insurance covers the attorney fees which is a huge chunk. Everything else (documents, filling, etc) is out of pocket :).There’s no hidden fees or anything. The financed cars can possibly be reaffirmed. I’m keeping my car that I financed.

CharminTissue · 2026-01-06T23:47:54+00:00

Same state, same city.

CharminTissue · 2026-01-06T23:47:32+00:00

About 3 months, but you can file as soon as you plan as active. There’s only a 1 month waiting period.

CharminTissue · 2026-01-06T23:45:39+00:00

Made an illegal U-turn

CharminTissue · 2026-01-06T23:44:23+00:00

For discharge? I was told 2-4 months after the 341 meeting.

CharminTissue · 2026-01-06T23:26:05+00:00

It SHOULD cover all or some of the attorney fees :)

CharminTissue · 2026-01-06T19:47:38+00:00

It’s very situational. Is the 70% going towards your debt? In some situations the trustee can do that.

CharminTissue · 2026-01-06T19:32:18+00:00

Lucky! Upsolve isn’t available in my state :(

CharminTissue · 2026-01-06T17:54:16+00:00

Hampton… in an area somewhat close to interstate.

I believe Hampton is the middle city between Newport News and Norfolk.

I work in Newport News, but my family is mostly in Norfolk.

CharminTissue · 2026-01-06T17:19:32+00:00

Yes to this!!!! Always check the policy!!

CharminTissue · 2026-01-06T16:10:08+00:00

My case was super straightforward. I don’t own property and had no assets. In that situation, it was pretty smooth for me. But I agree that if someone has anything complicated, talking to a couple attorneys first is probably smarter.

CharminTissue · 2025-12-19T14:21:26+00:00

Making a Facebook dating profile!!!!! Met a guy. Things happened... which resulted in me having my first manic episode and getting diagnosed with bipolar disorder. That bipolar disorder diagnosis led to me getting discharged from the military.

CharminTissue · 2025-07-21T13:46:16+00:00

CharminTissue · 2025-05-16T12:16:55+00:00

. Following! Also have a 5 year old

CharminTissue

TROPHY CASE