Chapter 7 Questions...Please Help!!!

[DayMDev]

What is the name of your state? PA

Here is a recap of my situation. I am currently not working and living with my boyfreind. I have about $20,000.00 in CC debt. My only asset is my car which I purchased for $3,500.00 over a year ago. (with my IRA) I believe it is worth about $1,100.00 now? The title is in my name and my boyfriends name. I have not made a payment on my CC's since January. I have had some cash advances on them in the past. The last ones done were back in Dec.

I guess I am looking for some advice as to what I should do? File for BK or do nothing? What is the worst that can happen If I just don't pay the CC's?

If I do File, how long do I need to wait? How for back do they look at your CC activity? Or what do they actually look at?

If I do file, I understand that you have to put all of the debt into BK. But my question is can they discharge some of the CC and not discharge others?

What about the car. Will I lose it?

Does my boyfriends income effect me or wanting to file?

What about going Pro Sec?

Sorry for so many questions, but I would appreciate any and all advise/help with my situation.

Thank You Very Much