I have been unemployed for the last 2 years due to a temporary disability and still not working. I have used all my credit cards to live off and spent my retirement money. My currrent credit card debt is about 40,000 and I dont have anyway to pay anymore. I have no assets at all. I live with a friend and drive an old car. Is there a way to file for bankruptcy without an attorney because that would be more money I dont have and how could I not qualify with my debt and no income. I currently live in Orlando FL