I will stop making payments on credit cards now that I’ve decided to declare bankruptcy–which was a tough decision. Is it better to file bankruptcy ASAP, or later, or doesn’t it matter either way? Can the damage be lessened in terms of heartache, credit score, etc. depending when I file? Do I look better to the court as far as financial hardship, etc. if I file later since my credit cards will be totally behind by then and I’ll have more debt, etc? Lawyer seems to generally act indifferent to these things (only had initial meeting so far, signed papers that I am retaining them).

Any help on tnis or general bankruptcy advice is appreciated.

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