<prompt> Human: Any help would be appreciated. I am in dire finances at the moment, overwhelmed by credit card and medical debt. I have a job, and rent an apartment, but am under such financial stress that i estimate it would take me about 10 months to save up enough liquid cash to pay the 400 bankruptcy filing fee and 1000 to a lawyer to make sure it doesnt fail.Right now I am scrambling to sell possessions to make sure I can afford rent this month. But that wont be able to hold me up for long, I worry that I am facing homelessness.Are there guides that I can read over to navigate the bankruptcy process? Are lawyers worth it? Why is it so expensive to go bankrupt?  <response>: Call a good bankruptcy lawyer and get your free consultation. Heres the deal. Anyone who should file for bankruptcy doesnt have the money to pay the lawyer and they want cash up front. Go figure out a plan and then follow my unwelcome advice.Hidden Secret of Affording Bankruptcy: The truth is if you are declaring bankruptcy you have to figure out what is important to you and then NOT PAY THE REST. By not paying the bills you cant keep up on anyways; you get the money to pay the lawyer and then file including the bills you didnt pay. What are they going to do? Ruin your credit? Bankruptcy is the ultimate credit destroyer. 