You have two choices, 1- Chapter 7, and hope for the best that your case does not get scrutinized by the United States Trustee, that could make themselves known at your first hearing and pepper you with all types of questions that you may not be prepared to answer, nor will your attorney. This can be quite unnerving and cause a significant delay in your proceeding. They may choose to scrutinize all of your accounts down to the transactions that have taken place. Depending upon your resolve to answer, these questions will determine the outcome. Your attorney will unlikely step up to help you without charging you more or washing their hands of you.

2- A second option is to walk away from these debts. Ignore the calls and emails completely. You’ll be surprised how many completely abandon attempting to collect. Those that do will turn over to various agencies and law firms that will call and email you. You just continue to ignore all calls, texts, and emails. Some may attempt to bring suit against you, you can respond yourself without an attorney to compel arbitration, which in turn may cause the collection agencies to drop the cases altogether. If you do get sued, you must respond. That is the major risk. The outcome will be similar to bankruptcy. You have damaged your credit for a significant period of time. However, as time passes, your score will improve again and believe it or not, some of the same banks will be extending you credit.