I am not a lawyer but you do not have to wait till you have a judgement, you will have to wait until your income matches the gross income that will allow you to file in your state cpt 7. So that could take as long as 6 months depending on you r past income. I would not wait to long secure a BK lawyer so you know what path you will be on. If you are not confortable with him or her find one that you trust with your situtation. I am in the same boat filed 13 and now a 7 go this thursday for the 341 meeting. The blessing is all debt will be forgiven bk is your only way out of peace of mind. Don't feel bad i beleive we aare going to have so many BK in this country it will make your head spin. The bible tells us just all that is happening in the world today.

God Bless You and All Who Will Follow!