I am living in Cincinnati,Ohio and I have incur two civil summons which are
credit cards possibly garnishment maybe soon. I have appointment with
approved debt management company on 11/19/07,but I don't think I have
enough income for my debt ratio. I cannot file for chapter 7 because I did
that in Baltimore, Maryland in 2001. My income is partime as a teacher aide
and billing specialist at night. My question is can I file with having only
car as my only asset that will be paid off 07/08. There is no house but
an apartment. By the way, Have any one file this chapter 13 on their own
because legal aid claim this chapter is too complicated considering the
assest that are involved which I have only one (CAR).
Please advise !