I really need some advice. I'm getting some very nasty phone calls from collection agencies & it's really stressing me out. I did some math today & I have 14 maxxed out credit cards equalling over $25,000 in debt. I know that is completely monstrous & that I was very irresponsible. I'm really not sure what I was thinking, but I know I have got to take some action. I want to file for bankruptcy, but obviously I can't afford a lawyer. I know that a person can file pro se, but I tried to fill out the paperwork & can't understand hardly any of it. I'm at my wit's end about this now. The only income I have is my $200 a month for child support (of which there isn't enough left over to make a difference on my debt). Gabe's checks barely cover our utilities & groceries, so he's unable to help out either. All of our bills get paid except my credit cards & store accounts. I just don't know what to do! Please offer any advice you can. Thanks. 
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turbulence:
*hug* trying to think of something...
wired:
first you may want to check the state bankrutpcy laws since they very from state to state.i have a friend in NC.who got help filling out his forms from by finding a lawyer who did pro-bono work by looking on line.but i do beleave cunningquist is correct that the federal fees must be paid up front.also i'm sure if you can find a borders or barnes and nobels you can find a book on the forms to help ya,or go to the library.there may also be publicly funded lawyers to handle your needs in or around a large city near you,check bermingham directory..good luck.