Bankruptcy empowers you with options, including “straight bankruptcy” vs. an “adjustment of debts,” and options about creditors in each.
“Credit counseling” has to be done shortly before filing bankruptcy, “debtor education” shortly after. The latter may even be worthwhile.
This is a usually an easy hoop to jump through, but do it with the right timing.
You’d never have a medical transcriptionist do surgery on you. You need the surgeon’s professional judgment and skill. Same with bankruptcy.
There are usually ways to pay for the legal representation you need for dealing with your debt problems. First find a lawyer you can trust.
The decision to file a Chapter 13 case may be an easier one if you know that you can always change it into a Chapter 7 one if needed.
The ability to convert to a Chapter 13 case can be extremely important if something unexpected happens soon after filing a Chapter 7 case.
Bankruptcy pays a lot of attention to and can help you deal with your secured debts in many favorable ways.