Thanks! I am working with a lawyer to make sure every I is dotted and every t is crossed. I am going straight chapter 7 as I have no assets and no car payments. Luckily credit card debt is the only kind I don't have.

I guess I'm just nervous about being scrutinized.

Once I get this monkey off my back, hopefully I'll be able to make a budget I can actually live with.

I am getting help with rent and electricity thru some local programs due to my garnishment and the fact that I lived at the YWCA for several months ( long story, no abuse involved) and their was a program that cosigned for my current apartment. They don't help every month as I prefer to pay myself, but sometimes I just can't.

I have insurance thru my job, but the copays, and uncovered portions, and bills from when my son was young enough to be on my insurance are killing me. I also have a few other debts from bad choices on my part.