u/Enough-Carrot4169

Hi guys I just had my first consultation call with a bankruptcy attorney and they told me that because I make 93k gross it doesn’t matter how much debt I have (over 110k) that I’ll have to file chapter 13.

They also said that if I file, then the co-signed loan I have cannot be reaffirmed and would make the other party completely responsible (which I don’t want).

Should I get a second opinion? I was under the impression that income wasn’t the only factor in qualifying for chapter 7 and now I’m panicking because I have a lot of expenses. Thank you all 🥲

Edit: idk if this helps but while I’m legally single I provide 100% of living expenses for my partner so we’re a two person household