Can I file for bankruptcy if I have no income to report and have not worked in the past 5 years? 9 Answers as of February 14, 2017

I live with a relative.

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Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
Sure. If you live in California, (and if that is where you incurred the debt) the statute of limitations is 4 years from the last payment or charge. If a creditor is trying to collect on old debt look up a lawyer who handles "fair debt collection practices act" cases.
Answer Applies to: California
Replied: 2/14/2017
Stephens Gourley & Bywater | David A. Stephens
Yes for Chapter 7, no for chapter 13.
Answer Applies to: Nevada
Replied: 2/14/2017
Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
You could file under Chapter 7. But why bother? Under your circumstances you are probably 'judgment proof' and it is possible that the statutes of limitation have passed on many of your debts. A consultation with a good bankruptcy lawyer seems like it's the next step
Answer Applies to: Wisconsin
Replied: 2/14/2017
GARCIA & GONZALES, P.C. | Richard N. Gonzales
Yes, a Chapter 7.
Answer Applies to: Colorado
Replied: 2/14/2017
David R. Fondren, Attorney at Law
David R. Fondren, Attorney at Law | David R. Fondren
Yes. Lack of income is no problem.
Answer Applies to: Missouri
Replied: 2/13/2017
    Portland Bankruptcy Law Group
    Portland Bankruptcy Law Group | Christopher J. Kane
    Yes, it is not a requirement that you actually have work history in order to file bankruptcy. You just have to be able to document what your source of income or support has been for the 2 years prior to filing the case.
    Answer Applies to: Oregon
    Replied: 2/13/2017
    Ronald K. Nims LLC | Ronald K. Nims
    Yes, you can file bankruptcy with no income. The question is why would you want to? Most people file for bankruptcy to avoid having their wages garnished and/or their property seized by their creditors. You have no wages and it doesn't sound like you've got any property. Bankruptcy will stop harassment by your creditors but for most people, harassment alone isn't a good enough reason to file.
    Answer Applies to: Ohio
    Replied: 2/13/2017
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    You probably can file for bankruptcy but a better question is whether or not you SHOULD file for bankruptcy. Unless you have an income or assets to protect, there is probably nothing any creditor can do to collect from you.
    Answer Applies to: Nevada
    Replied: 2/13/2017
    Garner Law Office
    Garner Law Office | Daniel Garner
    If you have no income or assets, you are "judgment-proof" so there is no reason go bankrupt. It is unethical for an attorney to file such a case. Instead, you can simply write letters to your creditors informing them of your status and telling them not to bother you again or you can sue them for violating the Fair Debt Collection Practices Act. If they persist, then an attorney can help you. In that event, you should contact Legal Aid for pro bono help.
    Answer Applies to: Oregon
    Replied: 2/13/2017
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