Chapter 7 means test

I have a consultation this Monday with a lawyer. I'm afraid I make too much. They say I have to include my household of 4 income, and me and my wife make about $135000 before taxes. I'm filing alone because I just can't keep up with my credit cards anymore. I had to stop making payments on 3 cards. My total unsecured debts in $59000, I bought a house like 3 years ago, and our mortgage just went up because of property taxes. I feel like I'm constantly playing catch up with everything and I just want to start fresh again. If I fail the means test, I heard that there is a second part to it where you can qualify if you show you don't have enough disposable cash. I'm also afraid that the 3 cards I let go will be suing me and doing wage garnishment. Any advice?