You are considering bankruptcy lawyer services because you are not sure what else to do. Your financial situation is a precarious one, at best. That is understandable that you would want to get out from under the burdens you face, but you know there are repercussions, or you assume that there will be negative repercussions.
Maybe what you need to do first is try bankruptcy counseling. It is one of the newest bankruptcy lawyer services that combines the legal side of bankruptcy with financial advice and a clear view of future ramifications.