Read the following context and choose the best option to answer the question.
Context: 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 .
Question: Why is the narrator feeling financially restricted at the moment ?
Options: 
- None of the above choices .
 - The narrator is broke .
 - The narrator is buying a car .
 - The narrator is buying a house .


The narrator is broke .