People -- including experienced attorneys -- think highly of the NOLO book on ch. 7. The biggest benefit of an attorney is issue spotting, and (unfortunately) you can't know that you're missing an important issue without having a lawyer point it out to you. A second benefit is that the attorney understands all the procedural rules that baffle normal mortals. Bankruptcy court is much worse in this respect that other civil courts, in that the clerks WILL NOT ANSWER questions about law or procedure. In your case, since you will be wanting to avoid a lien, I would suggest hiring an attorney. It might cost you as much as if the attorney had filled out your petition (a normal service of a bankruptcy attorney) because he will want to independently review your filings to make sure no amendments are needed, etc.
You may be thinking of a section 341 "meeting of creditors". Your trustee officiates, and the judge is specifically excluded from attendance. Creditors seldom come, even though it's called a meeting "of creditors". They may, and they can ask questions that affect the estate as a whole ("Where did you hid the Hope Diamond?") but not necessarily questions about their own debt. The trustee usually has a bunch of debtors he has to interview in a given half hour or hour and can only spend about 10 minutes on your case, so not much questioning can go on.
There is also something called a "Rule 2004 Examination", which a creditor can do after getting permission from the court. This is like a deposition, and you are therefore pretty much required to answer any question put to you. These exams will cost the creditor (not you) a few hundred dollars, so no one is going to do one unless they're pretty sure that you're hiding something.
If you've been completely candid in your schedules, you have nothing to fear either from the 341 meeting or from any 2004 exam that might occur later.
