Not sure what to do!!

I plan on calling an attorney on Monday to file Bankruptcy. I believe that my only route is Chpt. 7. I have been reading the boards and it seems that since I have no money after paying my bills that this is the only way. What do I need to take to his/her office? Will I get kick out of my apartment? I have been here for 8 years. What will happen if they contact my work? I have to do something but the fear of what might happen makes me just want to keep doing without and continue not to have any money when I get paid. I got myself in this mess and I know it but I feel I have been cheating my 11 year old daughter not being able to afford to do things she would like to do. I am sick of saying, we don't have the money!!! I know if this ever ends, I never want to own a credit card. EVER!!!!
I want to Thank the people who have responded to my previous messages, you have help me understand my rights.
Ladyinred what are the laws in Tenn and what am I about to face?
As I had wrote earlier, I have not been served anything but they (creditors) are not calling as often, that worries me. Do you think that BK would be the right way? Looking for answers.
Thanks

[Ladynred]

Barb,

You will not get kicked out of your apartment as long as you are paying your rent. If, for some reason, you named your landlord as a creditor for some back rent or something, that might be different, but I'm assuming that's not the case here.

No one would have any reason to contact you're place of employment either. As a matter of fact, the bankruptcy law has anti-discrimination clauses built into it so you can't be fired or anything like it for filing for bankruptcy.

Why don't you e-mail me with your concerns and I'll try to answer as many of your questions as I can. I've researched TN since I live here too.

You rent, you have no real assets or property anyone could take. You can keep your car if you file before its paid off (you said only 2 payments left) by reaffirming the loan. Depending on how much its worth, you might be able to get it in under the state exemption.

E-mail me