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Question By
arlenelee

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i have two question 1) how can i file bankruptcy or chapter 13
question 2) a person that on an fixed income like say ssi can they file chapter 13 bankruptcy. and do student loans be part of it too

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First off, student loans are generally collectable until paid in full and are not dischargable in bankruptcy, neither Chapter 7 nor Chapter 13.  You may be able to get some sort of hardship forgiveness on the loans.  Consult with your loan servicer about this.  If the major reason for considering bankruptcy is student loans, don't even go there.  Consult with a bankruptcy attorney that you can find in the Yellow Pages.  Most offer a free initial consultation and they should be listened to since they often have suggestions that will help you avoid bankruptcy altogether.  Do learn what assistance may be available to you through Disabled Services that can help you to get the most out of your available funds. 

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