Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Pretty simple: Chapter 7 bankruptcy is for you, unless you have sizable nonexempt assets (like a house with equity value located in a State without a homestead exemption law).
For a bankruptcy lawyer referral, see: http://www.abanet.org/legalservices/lris/directory/ or www.martindale.com.
Hope this helps.
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