So many questions...

[Backlash]

My situation seems to be quite complex, and I have already had my free attorney session, plus paid for a second session at $200 / hour and have yet to file. I really can't afford to keep going back to determine if I should file at all. Any advice on the following would be greatly appreciated.

CC Debt - 22,000
Signature Loan - 7,000
Mortgage - 1,400 / month (taxes / insurance included)
IRS Debt - 45,000 (majority of it within the last 2 years)
Short Sale Judgement - 50,000

I make decent money, but it is almost guaranteed that I will be laid off July 1.
I have a car that I bought in 1999 that has 250,000 miles on it. This car is on its last legs and my attorney recommended that I buy a second car before filing for bankruptcy. Because of the Judgement / Shortsale, my credit is shot. What are the implications if I buy the vehicle with a co-signer? Will my co-signers credit be ruined? Will I be able to keep the vehicle after I file? Will the co-signer find out about the bankruptcy?

What happens if I am laid off? I can always get a low paying job to ensure that I can sill make my mortgage, tax, and car payment. How does that play into things?

Any advice would be greatly appreciated as I can't keep paying for preliminary meetings with my lawyer and still be expected to pay for the filing in the end.

Thanks!

[hopeforus]

Can you just wait until you get laid off to decide? Can you make all your payments as they stand now with your current job?

[Backlash]

I am current on all payments now, but my CCs are about to adjust in July and I have not been sent payment terms for the Judgement yet.

I will be laid off in 10 days.

Will the judge allow me to keep my house and car payment once I am laid off? I don't think un-employment will cover all of the expenses if I don't have a new job when I initially file.

Also, what happens to the co-signer on the vehicle, and the attached credit?

Thanks