You're talking to the wrong people, go talk to an attorney. Trying to file bankruptcy with "bob and pete's financial service" will be a huge fucking mistake. These counselors are selling you fallacies so they can try to make a quick buck off you and you'll probably still be fucked in the end. And you can say "I don't feel like going through a consolidation service", but you'll probably be required to, or at least required to seek credit counseling. If what you say is true about your income, you're probably fucked and will spend half of what your debt is in legal fees to successfully win, only to be fucked up for the next 10 years.
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