Reply #8: Ah. I do know from a credit counseling agency that the judge would demand

[Deja Q]

my case go to chap 13 given my current income. Besides, I do want to pay it back - but a lot of what I own has devalued (computers) and also deals directly with my line of work, both self employment and primary employer (IT - computer support, web design, photography.)

If I lost my job after that bill was passed, would I still be able to get chap 7? It sounds like it might be possible... I just don't know. (nor did I ever realize that society would get this BAD, I've had one hell of a wake-up call thanks to all this outsourcing and fleecing of America's future...)

Thank you (and all) for the advice. I'm just cynical right now as I watch my own industry (IT) go out the door and being devalued in the process if enough people whine that jobs should stay in the US, soon to take me with it and not be able to get a job elsewhere (this I know)...