My advice is to get a good lawyer. Ask around and get references. We had to file chapter 13 and had a bad lawyer. It was a nightmare. We ended up paying 100% of the bills and still I'm having to pay on my student loan that the lawyer claimed was paid in full. Our monthly payment was determined on both my husband and myself working full time. When I got laid off, our payments stayed the same. Make sure your lawyer is highly recommended.