I'm about 95% sure I need to file a Ch. 7 BK. I hadn't even considered it until a few days ago, as I don't own crazy amounts; but after a LOT of research and number crunching, it seems the only way to survive. One of the ironic things about BK is that it costs about 1200 minimum to file if you use an attorney (that includes the 300 filing fee). I make just over the amount to be eligible to have the filing fee waived, of course! I don't even have 300, let alone 1200. I'm great with red tape and legalese and did my own paperwork in family and civil court. But I don't know anyone who has done a BK on their own. On the credit forums, it seems everyone uses a laywer. So has anyone here done it?
I am going to meet with a few BK lawyers for the free consult, and I am going to ask if there is an alternative to "full service", like maybe I can do all the paperwork and the filing and they can just review it and make recommendations. Dunno. Advice? Thanks!!!