Ok well im 22 and live in California. When i was 18yrs old i got a job tat seemed 2 b going well. i was making good money. I was the so-called "Secretary" of the corp, but the way they were paying me was w/the corps. credit cards! I decided to apply for supply credit cards for a division of the corp. The man incharge stated to us tat corporate credit cannot effect ur personal credit. i dont really know if tat is true because b 4 i quit my co-worker let me know tat she had been talking 2 people n found out tat was a lie. After 7 of us quit and found out this whole corp. was Bull S***!!!!!I went on w/ my life n got an ordinary job. i was'nt making the same $ of course, my payments really fell behind n I got 2 a point were i just stop paying. to top it off that stupid corp. reported tat i made $56,000 the year i worked 4 them . which is a lie but now i owe the irs n state besides my creditors. my accounts r now in collections or in process of being there. im making some payments to some of the accounts tat r in collections. My total debt is about $32,000-$43,000 including the corp. cards n irs debt which is $8,470. Lately ive been thinking a lot about going bankrupt with my new born son i think about the future n just the thought of my wages being garnish really upsets me because i want 2 make money 4 me n my son not for creditors. im a single mom now since his father is in jail! Well tats my story n my questions are ....
Can i bankrupt the irs debt n the corp. cards w/my personal debts?
I'm the co-signer for my moms mobile home can the bankruptcy have an effect on her house? do i have to include the mobile home?
Can utility bills be included in my bankruptcy?![]()
Do you think i can qualify for bankruptcy?

I went on w/ my life n got an ordinary job. i was'nt making the same $ of course, my payments really fell behind n I got 2 a point were i just stop paying. to top it off that stupid corp. reported tat i made $56,000 the year i worked 4 them . which is a lie but now i owe the irs n state besides my creditors. my accounts r now in collections or in process of being there. im making some payments to some of the accounts tat r in collections. My total debt is about $32,000-$43,000 including the corp. cards n irs debt which is $8,470. Lately ive been thinking a lot about going bankrupt with my new born son i think about the future n just the thought of my wages being garnish really upsets me because i want 2 make money 4 me n my son not for creditors. im a single mom now since his father is in jail! Well tats my story n my questions are ....