Yes, it depends on the state laws. I filed Chapter 7 about 15 years ago. At the time I didn't own anything and got $5000 as a wild card to use to keep something. I used it on my car at the time because that's all it was worth. It stayed on my credit report for 10 years. I'm afraid if I file now, they'll take my car since it's worth more than the $5000. I also just looked up the laws in NC for exemptions and they only allow $3,500 for a car. They'd take mine for sure. Plus, I'm not behind on any payments, I can only just pay the minimum, which is basically paying interest and not bringing the balance down. It also costs $200 to file, which I don't have.

My student loan is federal and I already consolidated it and had the payments lowered a couple years ago. I'll check on financial hardship.

With the laundry, I take my whole laundry basket to my parents. So I'm carrying it up and down stairs and walking to my car.

I'd rather not have a roommate for several reasons. My health is very delicate right now, so I treasure the quiet time I have alone. I also don't always have the energy to clean or cook, so I don't want to burden someone with limitations.

She's getting mad because I keep talking about my parents and my brother. She wants me to focus on my life, but I don't have a life. I work, come home and sleep. Inbetween I worry about money and look for another job. So I don't know what she wants me to do. I don't know how to stop being angry or bitter towards my parents for helping a drug addict instead of me. I feel stuck. Maybe therapy isn't for me since I'm in a strange situation.