The bankruptcy "reforms" of recent years have placed new ethical burdens on lawyers that may make them less interested in representing you. This increases the financial threshold at which an attorney is getting involved.
If you feel that attorneys are making excuses not to accept your business, or if you just don't feel you can afford their services, this is one area of the law in which a reasonably intelligent, reasonably well organized layman can do his or her own legal work, if it's a simple consumer bankruptcy.
The law changed dramatically in October 2005. You should not rely on books or web pages published before that date, as they will be inaccurate and misleading. Check that products or resources you rely on were published after April 2005, when the new law was enacted. Older editions are still for sale on Amazon and eBay, but they should not be used. They are based on old law and will lead you astray.
The gold standard for legal self-help is probably Nolo Press, which publishes Chapter 7 and Chapter 13 bankruptcy guides in print and .pdf formats. Paste one of these URLs in for the Nolo bankruptcy pages.
http://www.nolo.com/article.cfm/catId/462A9501-9B21-4E09-A08C5A7B8AF51A79/objectId/B0B66870-4C52-4303-919B10B9611D3EF9/213/161/ART/
http://www.nolo.com/article.cfm/pg/2/objectId/B0B66870-4C52-4303-919B10B9611D3EF9/catId/462A9501-9B21-4E09-A08C5A7B8AF51A79/213/161/ART/
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