We contacted a credit counseling service first before we went bankrupt. They were not able to help us because it was business not personal. We ended up with a bankrupcy lawyer. Bankrupcy is a federal thing not controled by the states. You are allowed to exempt 1 car, 1 house, no stocks and bonds, savings, coin collections, art work, etc. You get the picture. We filled chapter 13 and we are 3 years into our 5 year pay off. They have different plans, you really need a lawyer to help you through this. Bankrupcy can challenge everything you did for 1 year before you filed. Our problem came with the 1 year period. We had received a house from his late mother. We sold it within the year before we went bank rupt. The bankrupcy court wanted to know how much we sold it for was it sold at fair market value and what we did with the money. If you are thinking of bankrupcy and all you want to get out from under is credit cards, then I would check with consumer credit counseling first. But, beware of the scams. The real site is free. I would contact you local BBB and find out if there is a CCC in your area. Good luck!!