[Larry Lucido]

you PROBABLY have too much income to qualify

I meant to add "for Chapter 7."

Under Chapter 13, the court will let you keep all your assets but will have you pay all disposable income to the U.S. Trustee, which will be paid pro-rata to your unsecured creditors, after which you will be eligible to receive a discharge of any remaining balance.

[Cap'n Crunch]

He says he can get me into a 7. But I really don't know what that means.

In fact, I'd have to politely request of you to please put that last one in "Bankruptcy for dummies" terminology...

I have adult ADD... hahaha