If you are earning enough to cover your bills, don't file for bankruptcy. Filing for bankruptcy can really damage your credit in the long run, by staying on your report for up to ten years.

Don't pay for the consultation with a lawyer who practices bankruptcy law, nearly all attorneys offer free initial consultations, so you should be able to meet with a few before you make a final hiring decision. Do not make any final decisions until every question you have has been answered. It is not necessary to come to a decision immediately following the meeting. If you're unsure, don't hesitate to talk to multiple bankruptcy lawyers.