what are the requirements to file for bankruptcy 7 or 13?

SO, have you checked with other lawyers?  And did you get a better idea of how to proceed. Like Mr. Armstrong said, most bankruptcy lawyers will speak to you for free.  Check several out, and opick the one that you feel most comfortable with.

Thanks for this question. It's one I get a lot.In general, in order to file for Chapter 7 bankruptcy you have to demonstrate to the court that you cannot afford to pay your unsecured debts as they come due. You also have to demonstrate that you do not have enough money left over to pay much of anything towards your unsecured debts.If you cannot qualify for chapter 7, then you may be able to qualify for chapter 13. Under chapter 13, you make a reduced payment on your unsecured debts. In both cases, though, the case ends with a discharge. A discharge means that you no longer have to pay any of the debts that are discharged in the bankruptcy. Some debts, though, are not discharged in bankruptcy. For example, student loans can only be discharged in the case of a showing of undue hardship.To really evaluate your situation, you really need to go visit with an experienced bankruptcy attorney. Most attorneys offer free consultations. So, search for one in your geographic area and go visit them. If you don't like the first attorney you see, go get a second opinion. Best of luck to you.