Our home in Texas

I have been self-employed for several years in appliance repair and home construction. Everything was going great, I liked the work, and was supporting my family just fine. My wife also works some as a teacher, but she really does it to help the kids; it’s not like there is a lot of money in that field. Last year, I was repairing a roof on a home, and I fell and broke a leg and severely injured my back. I have been recovering ever since, but the bills have been piling up and I am behind on my mortgage and other major bills. I’ve also had a lot of medical bills due to the rehabilitation that my physician recommended. The physical therapy is helping but the bills are getting out of control. When you are in any repair or construction business, it is not possible to do the work if you have a traumatic back injury that hasn’t healed fully yet. Although my wife and teenage children are helpful around the house with chores and some repairs, I haven’t been able to work in my own repair business for 18 months. I was thinking about filing for bankruptcy, but I don’t want it to affect my family in any negative way. I heard that as a sole proprietor or independent contractor that I can file for bankruptcy. Although, I’d have to verify my income and answer a lot of questions while producing my financial and legal documents. Well, I don’t have a problem with that. For the past year, I have been mostly sedentary, due to my injury, and I’ve had a lot of time to go through my paperwork, income, and bills.  I have my income tax information and all previous earnings. I also heard that I don’t have to be employed right now to file for bankruptcy. I don’t want to file, as I feel like I would be failing my family in some way. However, I discussed it with my wife and kids, and they are fine with it and seem to be supportive, due to my extended injury.

My family and I just need a fresh start after my unfortunate accident. My wife has been working but we are still in a lot of debt. I’ve got numerous creditors contacting me and it is stressing out my whole family. However, in my situation, bankruptcy seems the right and most responsible thing to do right now. I don’t want to lose our home and other important property, as we have a small farm with some animals and the kids love to play outdoors and hang out with their friends.

I may need to consult with a bankruptcy attorney because I want to be sure that I can keep my business going after I recover from my extended injury. Also, I want to be sure that the home and farm are protected so that we can continue to live here until I recover fully and I am working again.

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