Bankruptcy (why do I feel so embarrased)
I am starting to look for a bankruptcy attorney. I live in southern California and have a mortgage. I am single and my income is mainly ebay and amazon (claim the 1099s I receive). I grossed approx $80k in 2023. I also do odd jobs here and there. Handyman type stuff. Usually never over $550 a job which I get paid cash, thru zelle or venmo. I haven't filed taxes for 2023 nor 2022 yet. Im working on that. I owe approximately $22k in taxes to the Fed and state. $18k fed (make month payments) $4k state (lein on home). I have about $80k Credit card debts, all in collections. Have been served by creditors for two so far. One for $18k and one for $5K. I also have a SBA loan for $110K.
SBA $110K
Credit Cards $80K
Mortage is $220K left have a second $50K, value if sold (zillow) $700K
I've called a couple attorneys so far, both say Chap 7 is best solution. One charges $3500 the other $2000. Im confused on the pricing. Both offer same services from the sound of it.
I guess I'm looking for help on what questions or things should I be looking for when choosing the right attorney . I've only had to use a lawyer in my life one other time and it was the worst experience ever. Complete waste of my $$$$ I felt at the time.
I just feel so embarrassed with myself that Ive put myself in this situation, but I have excepted my mistakes and need to move forward. Anyways, any advise is appreciated.