A Real DLF Client

By admin • September 23rd, 2010

This is the start of series of giving you a glimpse into the lives of real DLF clients.  These are not actors, but real people facing real life and receiving real help from DLF and the US Bankruptcy Court. *

Today I’ll introduce Judy.  She’s a single woman that’s been in the hospitality industry her entire life and she’s now in her 50s.  Judy’s been running restaurants and cafes inside hotels in Southern California for over 20 years, but she hails from South Carolina, where her aging mother still lives.  It’s been a rough couple of years for her as the economy has seen many people cutting back on their hotel stays and the attached food service.   Although she works 60+ hours in the high season, with little work available in the low season, she’s not able to weather it and has incurred debt.

Judy recently received the call we all dread.  Her mother in South Carolina is failing in mind and body.  Judy is desperately needed back home to care for her mother.  She’s more than happy to go, but a look at her finances revealed what Judy already knew, she needs to keep the hamster wheel turning to have a chance of servicing the credit card debt she’s accumulated.  Judy can’t miss more than a few days of work or the house of cards will collapse.

What Judy discovered in our consultation was that she could discharge her credit card debt in a Chapter 7 bankruptcy.  Despite her long hours at work, when we look at her income over the last 6 months, she’s below the median in the state of California and can qualify for Chapter 7 on that basis.  Her debt is solely dischargeable credit card debt so she will receive a complete fresh start that will enable her to move back to South Carolina, find a new job and care for her mother.

* Names and details have been changed to maintain attorney client confidentiality.


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