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I have been out of work for just over a year , and have not been able to pay my credit bills for some time. I've been getting letters in the mail from the cretittors lawyers saying that they want the full amount which is a little under $9,000. Filing for a chapter 7 seems to be my last option and is something that i need to do. But the problem is I have no job, and no money to file or to get any legal advice. So i've heard of a way that i can do this for free but im not sure who to ask or where to look. And i even hear that if i do this wrong that it's going to cost me more to fix it. I was hopeing that someone can tell me how i can take care of this and what i should do. But what I really need is a miracle.