Answer the question about text:

The person filing for chapter seven credit card bankruptcy is allowed under law to state which items are to be exempt , but all items being claimed must be on the state 's approved list . The debtor 's state of residence has already declared those items that are under bankruptcy exemption . The second type of credit card bankruptcy or any consumer bankruptcy for that matter is chapter thirteen . This is a legal motion to have the bill collectors stop calling , but it also represents a desire on behalf of the cardholder to payback all monies owed , but only over an extended period of time .

Why is the narrator feeling financially restricted at the moment ?
None of the above choices .