In Bankruptcy timing is everything. If you wait too long you can get lawsuits, judgments, garnishments and even tax liens against your property. If you file to early you can have property transfers and preferential payments overturned, credit card charges disputed, and property lost. Knowing when to file and when to wait is rather like "the Gambler" by Kenny Rogers: 'you got to know when to hold it and know when to fold it, know when to walk away, and know when to run.'
The timing can be tricky, and only somebody who understands what it is like to live with debt and deal with the daily problems of it can really understand. Only an experienced bankruptcy attorney can advise you of just when to 'hold it and when to fold it." I can do both, so come into the office and let's discuss your options.