I do not believe you have to have an income to file bankruptcy, though it might be hard to come up with the filing fee. (Google it.) YouTube has some lawyers giving great advice on the subject. Also, remember that simple default is an option.


This is a very hard time you are going through. But, if you really can't work, the social safety net is better than you might expect. Consider moving to a less rural setting, where more is offered. Get on the waiting list for housing subsidy. Apply at some HUD projects, even if that means going to other towns.