I am considering bankruptcy because I simpily cannot pay my credit cards that are past due by years and keep the lights on. I dont own anything other than my car. My income vs essential bills is very close to equal, maybe 200-400 a month surplus but then there is food clothes fuel ect..... I am in florida and have attempted to start the process with different Bankruptcy lawyers and they tell me to work out a repayment plan with the lenders. Is it because they dont want to deal with me because they think I cant get enough money to pay them for their services? Last week I was served with papers from one of the lenders for a debt close to $9000. I cant pay it they dont want to work out a payment plan that I can do and I am affraid that the other credit card debt and student loans are going to sue me too. I have about 25,000 in various unsecured debt and 8,000 in student loans. Is now the time to declare bankruptcy?