What are the advantages/disadvantages to filing chapter 7 versus chapter 13

What do we do about Bankruptcy: Before I got married I wanted to file chapter 7 but the lawyer told me I make too much I have no assets or house I would like to have my car go as it's part of the problem why behind it's nickle and diming me anyway we got married and went back now he is telling us we both make too much. He gave us advise to stop the over time which is hard to do as we need it to cover the bills right now. I am wondering if he knows what he is talking about??? Now he is saying best to file in June of 09 get our hours down (I didn't know they could include over time??) and see what he can do from there he is not giving us a clear answer I just want to know if we can file chapter 7 or will have to file chapter 13 as if so there is not a way I can make the monthly payments. Plus we paid him over the amount it would have cost. I just would like some straight answers any answers and to know how muchyou can make before the cut off for a married couple with no assets or mortage just lots of bills that accurred during our single life. Plus I would like to know if you can get a new car well not brand new but somthing that is worth driving my car is high miles and starting to break down and we can't afford to fix it half the time. He told me there is a plce where you can?? - Is this your question? Add additional information