Hi everyone I am happy to have found this website. Very useful information and much to learn. OK I have searched on these topics but my situation is unique. Here's what's going on. Please give me some advice. 1) I'm $23k in debt and made my last payment to creditors in Oct '02. All accts written off, most to collections, 1 to an attorney. In Feb I received a refund of $2k for medical procedure not performed. Was originally borrowed from relative, they are not requiring a refund. Have poured over Nolo BK chp7 bk book, don't know if I *can* do BK now or have to wait a year. Please help! 2) In college I receive Pell Grants and want to take out a student loan (move out of parents home) but worried about seizure by court. If I use student loan $$ for living expenses, food, utilities is this still considered "educational purposes"? Can a creditor sue me and take away X % of this money? 3) If I am sued and the court attaches my bank account, what happens to any money I make beyond the above list? My life situation is very bad and I must move out of parents home (very abusive/alcoholics) so money will be very tight. Barely have enough to pay attorney for BK work, hoping to make it till Aug. Every day I am using the $2k medical refund up and it will run out from rent/food/utils by Aug. Hope someone can give advice. My state is Florida and I live in the dreaded Middle District - Tampa. Local trustee Traci Strickland has reputation of feeding debtors to the sharks (creditors). Hobbies: pulling wings off butterflies and other un nice things!!
