I did a chapter 7 a long time ago when i was 21.
Since im in deep right now i was looking into chapter 13. I cant do 7 because my income this year was too high. Im not really behind on a lot of debts but my paycheck is gutted every week and im having to always rob peter to pay paul.
3500 cc debt that is all current. Nothing past due but all cards maxed out.
25,000 in payday/installmet/tribal loans. This is what's killing me. Again not past due but about to be on some. Every 2 weeks i have to pay.
100k student loans that i dont pay and i know these cant be discharged
600 in monthy expenses utilities rent food gas etc
6500 in misc past due debts, irs debt etc
What happens to credit accounts in good standing? Like i have a bs fingerhut credit line of 1800 that has 0 balance. Do i keep that? I really need to get rid of these tribal loans with 700% apr