What do you do when you need to file bankruptcy but don't have any money for an attorney?  I am just barely paying (2 wks late at all times) my mortgage and have stopped paying all unsecured debt in order to do that.  That leaves me with about $150 for the whole month for food, gas,  OTC meds, necessities etc.  What does one do in that case?

Also, I have a pending lawsuit against someone who owes me quite a bit of money but has made no effort to pay me back in 1 1/2 years (it was a 3 month loan).  This will take years to get back from him.  What happens if I file bankruptcy now because I am out of money and then maybe a year later I collect from him?