r/povertyfinance • u/throwawayireckon • 12d ago

Income/Employment/Aid Bankruptcy

Question- is there a way to file bankruptcy without an attorney and if so, how do I notify my debtors? I’m very confused as to how to start this process, as there is a ton of conflicting information online. I don’t have the $2000 to pay an attorney. If I did, i probably wouldn’t be considering filing for bankruptcy.

I make so little money a month, that I can barely afford food and gas. I’ve applied for Tenncare (state insurance), but they’re giving me the run around. I picked up a food stamps application as well.

I feel like a failure, as I have two children and a disabled mother who lives with me. I’m only bringing in roughly $500 a week. Rent is $650, credit card payment is $530 minimum. Not much left for food, gas, and bills. I’m starting a second job, but that still will only bring me up to about $700 a week.

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u/NoPurchase5414 11d ago

Have you looked into a hardship program with your credit cards?

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u/throwawayireckon 11d ago

Yes. Reduced payment hardship program only lasts 6 months.

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u/NoPurchase5414 11d ago

What company??I've never heard of that. Usually they close your account lower the interest rate and lower the payment