You appear to have a routine bankruptcy. Ballpark: $2,500.
If no creditor requests that its debt not be discharged (due to alleged fraud by you, or hidden assets, etc.)., then you could be done with the bankruptcy in 100 days. Depends on court backlog and the timing of 341 meeting.
If you're in a contract with someone, and you can't satisfy the conditions, your obligation under the contract will be discharged, as long as you have listed the other party as a creditor and you have no intent to pay the debt.
The amount of your debt is pretty routine. Whether a creditor appears depends upon whether or not it believes that it might be able to uncover assets that can be reached, or whether it believes that you have tried to defraud the creditor. And, just because a creditor appears at the 341 meeting, doesn't mean that the creditor has a case against you, or that the creditor will try to stop the bankruptcy.
BotXXXXX XXXXXne is that if you have made good faith efforts to pay your bills and you are simply underwater with no way out, then the bankruptcy court will discharge your debts -- or, at least those debts that can be discharged -- which, in your case appears to be all of them, based on your facts.
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