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There's no way I can advise you since much about bankruptcy depends on the specific state and court. I suggest you get a free consultation with other bankruptcy attorneys in your area and see what each one says.
You'll also learn a lot that average rates for personal loans. Thanks in advance for all of your help. I wrote to you several months ago and I have since paid a 500 retainer for a bankruptcy attorney (I live outside of Calif). I was to list all debts (non secured loans, payday loans, credit card debt totaling 25,000). Two days after giving the attorney my retainer fee, I went and got another payday loan which is now not included in the list, and I can pay off the loan (800) but then I can only pay my attorney what is left over of my 1650 social security check.
Until he gets fully paid, he will not file my case.
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