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1) It usually takes credit card companies at least 6 months before commencing legal action against debtors who have stopped paying. Once legal action is commenced, it can take another few months before the creditor can get a judgment. So, it is usually safe to stop paying one's credit cards around 6-8 months before filing a Bankruptcy.
2) Instead of paying an attorney up to $2,000 to fill out and file the Bankruptcy papers, you can pay a Bankruptcy preparer $200 to fill out the papers, and then you can file them on your own.
Here is a website to find a Bankruptcy preparer:
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