My question involves bankruptcy in the state of:
Ok first of all thank u in advance and im glad to find this site.
My question is not for myself but i will be involve with this coz we wil both gonna do it.
I have this friend of mine. A very nice lady! BUt has a lot of debts HEHehe
Well she owes 24k total to her credit card. and paying 400 bucks for her. she earns about 36k a year. But that money goes to pay rent, car, and health insurance and utilities plus miscellanous ( not sure how to spell it it) She gives about 1200 just to pay the interest. to her credit card then rest goes to bills and car payment. Well she mostly dont have anything left for her. and her house is a mobile house and its old model too so she cant use that as a collateral to get a loan to pay her credit card. and she wants to keep 1 card atleast..
Question if we file chapter 7 can we put the mobile home she owns (and live) and keep her car.
she needs that house coz thats all she have, she needs her car coz she needs to work and shes willing to pay the car. she just want to get rid off her 24k. My solution suggested is to try for consolidation. i called some places but they only offer 7k without assurance only after they run her credit score.
Is there anyway we can ask for consolidation atleast, rather than Bk? if bk is the last resort, can she keep her car and continue paying it and keep her mobile home? any help wil be appreciated.
thanks!

