This persons income went down by half due to the economy so they can no longer pay debt incurred due to a year of not working. They’ve already had consumer credit counseling, which referred them to a lawyer to file bankruptcy. Do they get to keep their car and house? They really don’t have the money to pay accept for basics for living. Will they be made to pay back any of the credit card debt?
The difference in income means that the credit cards can’t also be paid along with living expenses (house, utilities, car).