We filed a Chapter 7 bankruptcy for a client who resides in Southfield. Client had no income and is a student. Client expects to graduate within the year and start working as a teacher. Client had exhausted her savings and 401k prior to coming to see us. Client has approximately $80,000 in debt of which approximately $35,000 is for credit cards and other personal debt which should be discharged. The remaining debt is for student loans which are in deferment.