I have plenty of time to prepare, not even sure if I will file yet. I could take out a huge loan from my 401k to pay off debt, but not sure that is the right choice. What paperwork did you have to supply to the lawyer/trustee. I'm mainly concerned about the lookback timeframe. How long do I have to wait after I have taken out a loan or cash advance. That type of thing. I also have a house that I really dont want to keep, but I really dont want a foreclosure either lol. I'm just overwhelmed and I know that if I talk to a lawyer and then make any type of charges, that could potentially be fraud.