Filing Chapter 7? i have no assignment and own no assets i live with my
It would cost you more to file the composition work to file a Chapter 7 than the amount owed.
Contact the entity owed, work out a payment calendar to make this right. Then pocket a job or two for a little to get this settled. You could work at a McDonalds for 1 week and rate this off. From start to finish a Chapter 7 take several months... you could make this right contained by one week.
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