You will need to make an appointment with a bankruptcy attorney. Most of them will do an initial consultation free. However, they all charge for their services eventually and they all want their fee up front, naturally, since you about to get all your bills written off. But your best bet will be to make an appointment and find out what your options are.

Also, under the new bankruptcy laws, you’ll be required to go to credit counseling by a Department of Justice approved credit counselor. I’m posting the DOJ weblink of who has been approved by the bankruptcy courts in Virginia. You might also ask the bankruptcy attorney who he recommends. Credit counseling in mandetory though.