My debts from credit cards loans and a car

You must take the financial counseling course and see if you get approved. Under the new laws, the court will verify the median income in your state and check whether your current monthly income is more than it. If this is the case, you can qualify for bankruptcy. You have to go through a credit counseling course for six months to get a discharge from your bankruptcy.
Here is the calculation.


Note: Qualifying for bankruptcy means test = current monthly income minus expenses times that by 60 = result

RESULT = More than 25% = $10,000 or more? Less than 25%=$6,000 or less

Hold on a sec. Bankruptcy should be a last option. Have you looked into credit counseling or debt settlement. Remember bankruptcy will stay with you for 10 years. If your bills are already behind and you owe money on the repo after it was sold I would suggest a debt settlement plan. They will be able to help you. Be sure to research the settlement company you are considering on the BBB ( better bussiness bureau ). Also MAKE SURE They are memebers of TASC (the association of settlement companies) or USOBO ( united states organizations for bankruptcy alternatives ). If they are not DO NOT do bussiness with them. They should be able to save you from bankruptcy. If that doesn`t work out then maybe consider bankruptcy. I wish you the best of luck.