Originally Posted by directfiesta

Sorry to hear that.

You want, I suppose, to beat the mid-october deadline, when the rules changes.

I don't know details of how it works in the US, but in Canada people use a syndic that takes care of protecting you and filing.
You could end up keeking most of everything, but having your credit destroyed for the next 7 years ..

File before the 15 th ( I think that is the cut off date ).