Thanks so much Mr. Daymude! We did file our personal tax returns timely every year and it has been more than 3 years since the BOE debt and IRS debt had been delinquent. Would a credit report show us summary of all debts including IRS and BOE debt? As you can imagine, we're very tight on our money and cannot afford a BK attorney for now, so was planning on filing on our own. Any word of advice would be much appreciated!! Thanks so much for all your help in advance!!!
Have you heard the expression: "Penny wise and pound foolish?" If you do not find a way to afford BK counsel, you are shooting yourself in the foot and perhaps the head.
You need to retain a BK attorney to help you. Without it, you will make some very costly mistakes, guaranteed. Your tax situation is complex and a thorough understanding of it is necessary if you want to achieve the best result possible.
Consulting an attorney now will allow you to do some pre-bankruptcy planning and your attorney may be able to show you a way to afford the fees. Failure to consult and prepare is preparing to fail -- as Coach Wooden would say.