I talked to pursels and associates through care on cred it counseling. I gave them all my information, and spoke with one of their lawyers, its going to cost me $150, but it was worth it.
I originally thought i wanted to do DSP, I have about 58k in unsecured debt over about 14 credit cards. I make close to 4k/month, however I lost my job at the beginning of the year and got behind on my payments for about 4 months.
Prior to talking to careone I talked to the creditors myself and set up hardship plans. Some of them reduced the interest as low as 6%.
I wouldn't qualify for chp 6 bkp.