Quote Quoting Dogmatique
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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.
ok so what else would you like to know if I didn't give enough info for my BK that might be of benefit to me? I am not ashamed of filing for bankruptcy nor am I proud but it is a tool that can be used for a fresh start. but I know where your coming from as some people are shameful and embarrassed for filing!! I can't even begin to imagine how they must feel or what goes through there heads when they post on other sites and posters start to badger em!! to be honest I just completed the the debitors credit counseling course and get my certificate. that's what I ment to is my lawyer told me to avoid debtor's credit counseling services as he stated it could cost as much as doing a strait out no asset BK and the creditor could still come and sue me if they wanted to!! that's when I decided just to go with a chapter 7 bk. I know one thing I don't want to go through one ever again. and thanks for the links I have been reading them and educating myself.