Bruce, FL Bankruptcy Law Firms & Lawyers

Bankruptcy is not some gimmick to let you avoid paying your debt, and bankruptcy typically will not eliminate student loan debts at all. The requirements to file bankruptcy are significant, and unless the debt you are able to eliminate through bankruptcy are massive, imho, it isn't worth it. Expect to have credit card debt equal to half of your annual income to consider bankruptcy. If that is where you are at, make an appointment with a well regarded local bankruptcy attorney by looking at the internet review sites.

You need to start educating yourself about bankruptcy. You also need to look into social security disability benefits. How long you stay in the home after making no payments is largely amourphous. Some people have not made mortgage payments for years and are still in their homes. Others get foreclosed within a year or so. It depends upon the bank. You may also want to look into modifying your mortgage. The main thing to concentrate on is getting some sort of income, and you may qualify for disability, as well as supplemental security income. Look into both. Hire an attorney to represent you.