I am not sure what type of lawyer we need Bankruptzy or realestate? We are current with or 1st and 2nd mortgage and are quickly falling behind in credit cards and car payment. What type of lawyer do I need i would like to get rid of the 2nd the bank does not want to lower the rate from 9%. Our first is conventional @6.25%. We both have businesses that generate 70-80k total net income now but it seems too late. I was also out of work for 1 year and depleted savings and credit cards.
Find a local bankruptcy attorney you like and then go and chat about your situation for free.
Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.