Blue

I think the first thing you need to do is call a bankruptcy lawyer. I'm pretty sure the first visit is free. I know the laws have changed, but I think this is the first thing to do. They will be able to help you with some of the other questions you have.

I wish I had more advice for you. I went through a chapter 13 back in 2004 where I paid back 90% over 4 years, but the laws are different now. The first step is the hardest part. The meeting with the lawyer will help settle all of the chaos and unknown running through your mind right now.