Do you still have some other debts to declare in bankruptcy? What about the ones that were already in collection or charged off? I do think I misunderstood about your trying to work out a payment on the car, but being late getting the check---that was for a different debt, right?
How much is the lawyer going to cost you? More than the $11,000 you owe for the car?
Have you thought about what you will do if the judge says NO to your bankruptcy?
The $11,000 by itself just seems like a very small amount to go into bankruptcy over, and I fear you could wind up in even more debt owing the lawyer and having lost a lot of time and possible work hours working with the lawyer on this in the first place---especially if you are not able to get that debt (and any other debts) dismissed.
You've got to be really personally reformed and focused to make this work, even with the bankruptcy. You will still probably have many avenues available to get yourself into debt, yet not be able to dismiss the new debts by bankruptcy soon after bankruptcy #1.
These discussion boards often have people posting who are in very difficult debt, yet the idea of bankruptcy is not often discussed. That might be because it is less frequently an option than it was about 2 1/2 years ago. (Think it was 2 1/2 years ago the the laws became more restrictive.)
Finally, have you tried working through Consumer Credit Counseling? I mean that specific organization because some of the other supposedly non-profit credit counseling groups do look for hefty salaries for their officials and are not necessarily good at following through with their part of the debt repayment plans.
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