Have you considered having a consultation with a bankruptcy attorney in your area? That would be the most effective way to obtain the information you seek and gain an understanding of your options and eligibility.
See my article on what to look for when hiring a bankruptcy attorney for more assistance. You can use lawyers.com to find an attorney in your area.
Good luck.
Mark Markus has been practicing exclusively bankruptcy law in California since 1991. He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization, AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.
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