<prompt> Human: Im looking to file, Im over 100k and make 20 an hour and pay 900mo for child support. I have nothing, my clothes and mattress and two old used cars I alternate depending on their mood. Im not sure which I need Chapter 7, 11 or 13 - but I do know I need the one that gets rid of my debts entirely. I also want to file on my own. By looking around I know its frowned upon, I just need some direction Id appreciate it. I am in Florida.  <response>: Lawyer here. I did bankruptcy work for 2 years. Disclaimer: this is not legal advice and should in no way be interpreted as such. You are advised to talk to an attorney and seek legal advice.That said... youll probably qualify for a Chapter 7. Youll need to pay attorney fees upfront for them to take your case - obviously because ALL debts are discharged, even debts owed to a lawyer. Depending on where you live, it could be anywhere from 1,000 to 5,000 depending on the complexity of your case. It sounds like you would be closer to the low end of that because your situation sounds like what us bankruptcy lawyers like to call a Simple 7. The one concern I would have is your two old used cars. Each state has their own exemption statutes. Exemptions are the laws that allow you to protect some of your property from creditors - the idea being that you should be allowed to keep some minimal property to get back on your feet. Check out this site for state exemption statutes: That list is certainly not exhaustive. If you have any questions, I can answer them generally. Again, I cant give legal advice though. 