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I need to file for a divorce but don't have the money to pay for a lawyer, my husband is laid off so neither does he. Do divorce lawyers accept payment plans? How does one file without any money? In addition, the reason I am out on money is that my hours were cut at work (and husband is unemployed). I dont even make enough money to live anywhere, my home is in pre-foreclosure and I am trying to do a short sale on it. Currently I am not paying mortgage, my income wont even come close to covering the cost of my mortgage so I am not paying it. I need legal representation, pro se wont work as I am not familiar with any of these issues. Bankruptcy will help me free up my debt so I can start over and be able to provide for myself and my children. Please help.