Analysis Of Which Chapter To File

This is the case of Felicia Morris who comes from Chicago, Illinois who is interested in a conversation regarding debt relief.  Ms. Morris filed a Chapter 13 back in 2008 and that case was subsequently dismissed so she is eligible to file another Chapter 13 if the facts bring them forward.
She does not own any real estate.  She currently has a rental agreement where she lives with somebody else and the two of them pay the landlord equally.  She has a 2002 Chevy Impala which is financed by PLS which is a Pay Day loan store so it’s a non-PMSI loan.  She owes $2000 and the vehicle is worth approximately $2000.
In terms of personal property, she has no checking or savings account.  She has minor household goods worth approximately $500 and normal clothing worth about $400.  She does expect to receive a tax refund in the amount of $3600.  She is single and she has for dependent children that live with her.  She is currently not working.  She has no income other than Social Security of $698 per month and food stamps of $700 per month.  In terms of rent, her share is only $150.  Her share of electric and gas is $150.  She has $25 for laundry and dry cleaning and other than that, she has almost no expenses.
She did not earn any money from a job in the last three years.  She did not receive any unemployment in the last three years.  She did have a prior address in Chicago during the last two years.  She has not owned a business in the last four years.  She does not have a safety deposit box and she is not holding any property for anybody else.  There are no co-debtors.  There are student loans totaling $20,000.  There is no tax debt, either state or federal.
In terms of debts, Ms. Morris has credit card debt of $800.  No medical bills.  And she has parking tickets in the amount of $4000.  Now, since parking tickets are a non-dischargeable debt, I would do whatever I could to see if Ms. Morris can afford a Chapter 13 bankruptcy.  I believe based on her income minus her expenses, there would be something available to do a Chapter 13 and repay the parking tickets over the next 3 to 5 years, saving her license and effectively reorganizing her debt.  So Felicia Morris from Chicago, Illinois Chapter 13 is my recommendation for you.