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Doing a BK7 is one way to stop garnishments,liens, etc. If you are poor with little in the way of assets it would seem you would qualify? You can file it yourself but study first! If you can afford it then hiring a competent BK attorney would be another answer. The reason is, they will notify all of the creeps and creditors that may be lurking and stop them from wedging you. And you won't have to deal with them since the attorney is representing you. Believe me the COMPETENT attorney route will let you get back your life without weasals harrassing you. That alone may be worth the cost. If any attorney firm you speak with offers some sort of 'one size fits all' sort of approach or tries to stuff you into a BK 13 plan, then move on to another law firm. There are tons of crappy BK attorneys(since it is mostly a paperwork filing sort of law practice) that allot of the incompetent attorneys end up doing it. So shop around, ask people who have gone thru the BK7 process, who they would recomend. And keep your money out of the bank(which it sounds like you have learned the hard way, me too) I wish you well in this endevour.
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