Boon, MI Bankruptcy Law Firms & Lawyers

Credit card companies can't sue you if you file bankruptcy unless they have to permission of the bankruptcy court. The bankruptcy court will only grant permission if you committed fraud against the credit card company (for example, lied on the application - you're the Bill's Burgers Bill Gates not the Microsoft Bill Gates ) or if you ran up a lot of charges shortly before filing bankruptcy (don't go on a two week trip to Vegas on your plastic then file when you get back home).

There is no law that says you cannot file for bankruptcy if you are on disability. Whether it's a good idea to file and will it achieve your goals is a different more important question that depends on other factors.

I generally don't advise Chapter 13 clients to seek a voluntary dismissal unless they can't qualify for either a hardship discharge or a plan modification because you'll lose the protection of the bankruptcy court and won't be discharged of any of your debts. Including interest charges or unsecured principal on those two cars. A hardship discharge will immediately terminate all payments under the Chapter 13 and you'll receive a discharge from all your unsecured debt and get the cars free and clear. A plan modification will reduce your plan payments and the amount unsecured creditors receive.