Harry has a lot of bills and he is behind on a number of them, including his house payment. Although he has a job, he cannot figure out how to dig his way out of debt. Unexpectedly, his car stops running so he had it towed to a repair shop. The mechanic told him he need some expensive work on the engine. Harry sees a commercial on TV about bankruptcy.
Knowing that you took BLAW class, Harry asks you which type of petition to file. He also wants to know specifically if the repair costs for his car and the mortgage payments are dischargeable. What do you tell him?