Hi cantretire,
With or without referrals, my recommendation is to have a no-fee consultation with at least two - preferably three reputable BK attorneys before you decide who to go with. You will receive a great deal of helpful info from the consults and will find which attorneys fit best with your personality.
Also do a little reading (Barnes & Noble - library - whatever) on basic BK (i.e. BK for dummies type stuff). That'll give you a little groundwork and you'll be able to ask better questions of your potential BK attorneys.
But even if you don't have time to do a little reading, you'll benefit enormously from those consultations and you'll have a much better idea of what direction is best for you.
I also have to say that BK attorneys are in the business of filing BK's - so they may or may not be upfront (or even knowledgeable) about other legitimate options that may work well for you.
Best wishes!
