With the limited info you've given, if it were me I'd probably follow your attorney's advice.
There is no shame in filing for bankruptcy, either - it is effectively saying "Okay, yes, I missed up - but I want to do the right things this time around" Take a look at the links I've provided, and educate yourself.
Be careful, too. Every Ch 7 petition must include proof that you've completed "debtor's credit counseling", though the terminology might differ a bit. Don't get it mixed up with the service the attorney is talking about - those are basically credit consolidation services and perform a completely different job, intending to avoid filing for bankruptcy.

