Eaton Park, FL Bankruptcy Law Firms & Lawyers

Yes - unless the amount owed exceeds the Chapter 13 section 109(e) eligibility limits. Current limits are: Secured debts have to be less than $1,081,500.00 secured& Unsecured less than $360,525 as of 4/1/2010 Reproducing Section 109(e). Limits are adjusted for inflation every 3 years, *next adjustment 4/1/2013.* * * If the lien is properly filed and perfected and there is enough equity in the property to cover the lien than add it to the secured amounts, if there is no equity to cover the lien, add it to the unsecured amount. If it falls in between then you the part that the equity could pay gets added to the secured amount, the rest to unsecured. Also in a 13 you may be able to wipe it out if it impairs an exemption. Confused ? Do consult a lawyer.

The bankruptcy will discharge this debt. But you must list all creditors and all their addresses. They will not be able to even attempt to collect the debt.

Sounds like it is time for your parents to step up to the plate and provide you some health insurance. The child support and student loan are non-dischargeable. If the credit card obligations are part of the divorce settlement (and considered spousal support), they may also be non-dischargeable. You should call an attorney to obtain legal advice regarding your specific situation.