You have to take a particular class before you can file ( you need a certificate to prove this) and then another one after before it can be closed. The amount of paperwork involved just for my simple case is staggering. I can't imagine those with larger more complicated cases. I would never consider it with out a lawyer or professional representation.

I go to court on Friday.

It was just overwhelming, and wasn't going to go away. I was drowning. My debt was well over half of my annual income.

Now I can start fresh and get back on the right track.