yeah, believe it or not, i found my lawyer on the internet...lol....i filled out my interest and i guess the site has lawyers to refer, and the lawyer called me on the day i said was convenient to set up and appointment to discuss my options...one of the hardest conversations of my life...i might have even choked up due to near tears...lmao, its funny now.
the vehicles issue sounds fishy. from what i could remember, the exception is like $3000 and all assets are liquidated except for necessity, in this case, one car to go to work, all others will probably be counted as luxury...which is probably why they ask you in your 341 meeting if you have sold anything to transferred ownership of anything within a few months prior to filing...a year is the case i think. wild card exemption..hmm, never heard of that.
you should not be responsible for notifying your creditors....i think, if i remember right, that if you list out all your creditors you want included, tehy will automatically be notified by the court that you filed and therefore, an "automatic stay" is imposed.....they are not allowed to collect from you until a discharge or dismissal.
depending on how complicated your case is, there might be additional fees, but if everything is done perfectly by your lawyer, then there shouldn't be any fees since there will be no further paperwork.
i have about the same price, but they make sure that counsel was with me during the 341 meeting of creditors to hold my hand, lol.
background check? i don't know about that one. i did have to sign consent for them to get my credit report so i can review the creditors i want to include in the bk.
don't be afraid to shop around. this has to be done right since you only get one shot in 8 years to do this.