My question involves bankruptcy in the state of: Florida
My situation is quite simple really: should I file for bankruptcy?
I lost my job and I have bad credit.
I'm single, no assets, and no open credit of any kind. I do have a bank account, and some cash from savings while i worked.
I have student loans (12,000) on deferment while on unemployment.
I want to fix my credit, currently I'm on unemployment looking for work, but I also have a broken down car but do not qualify for a car finance.
So I'm sort of stuck. I pulled my free credit report and most of the stuff I could pay little by little (100 to 400 debts here and there from my college days) once I start working but I have a vehicle write off of about 7000.00 plus the student loans show up as not being paid.
What should I do?
Can I file for Chapter 7(or 13) and get the car write off removed at least?
Once I find a job I don't mind creating a budget and paying my debts plus student loans, but i really do not want to have to pay 7000.00 for a car that was repossessed 3 years ago.
Any ideas or suggestions? Please, no obvious answers like pay your bills on time or pay what you owe...i'm just looking for a bit of wisdom, educated information, or financial strategies to get my life back on track in a more efficient and intelligent manner. I've been so oblivious about credit and debt up until now that I'm getting older and want to do things like buy a home one day or a business.
I would simply like to know if bankruptcy is a good option for someone like me.
Thank you.

