Almost 2 years ago I got into an automobile accident and totaled my car that I owed a little over $7,000 dollars on and I didn't have insurance. I was in the hospital for like 2 months and acquired a large hospital bill, but luckily I had health insurance so it practically paid all of it but about $2,000 to $3,000. So all together I have accumulated around $9,000-$10,000 in debt. Now, I am in the middle of a disability case because the doctor had to remove alot of my left lung. It should go through but it might not. If it does, then I should have a large lump some of money this summer that I can pay these bills off with. But, everyday I keep getting phone calls all day and letters in the mail, and they just don't understand, I am working on it. And, the thing is, the disability might not even go through, so I am tired of this so I have decided to file for bankruptcy but which?

I understand that chapter 13 you will be on a repayment plan, so I probably shouldn't do this because I don't have any income and I might not have any for anytime soon. So can I file chapter 7 for this small of a debt? And if the disability backpay money comes through I will have to pay all of it at one time??? or what?

Thanks for any help