There is some good news. And the good news is this: you are not collectible. And that is the primary concern of your creditors - are you collectible. And so, what I would do is reveal your lack of collectibility to your creditors and ask them to resolve your debt for 5-10% of the gross deficiency and not file BK. You have a unique opportunity to rid yourself of a lot of debt by simply being uncollectible. I know that this is not where you want to be, but there is a silver lining to your situation. Good luck.