Metro Detroit Bankruptcy Attorney John Steinberger filed a Chapter 7 bankruptcy for a client who resides in Oak Park. Client is retired and receives social security and a pension. The client has approximately $3,000 per month in income and household expenses of approximately the same amount. The client has decided to keep his house although it is worth substantially less than the amount owed. The client will not reaffirm the mortgage however so if in the future the client decides to surrender the house he will not have any personal liability. The client has some student loans that may be discharged by the government under a different program. The client also had approximately $12,000 in income tax liabilities which should be dischargeable.