MasConcepts Incorporated

Thinking about filling for the first time im 28 years old i just got my house 3 months ago everything seemed fine now reality hit with utilities and little stuff and im making minimum payments on my credit cards that i had since i was 22 with a 8k balance my dryer and washer broke i replaced it with affirm so in total im about 20k in credit card debt that i dont see no end i called a lawyer for a consolation they said i am ready to go for a chapter 7 bankruptcy im just worried because i make slightly above the median in Nevada but my mortgage alone takes a big chunk of my disposable income same with my 450$ car note my house alone is 2665$ and im 34 an hour with consistent work roughly 44 hours per week im just afraid that i wont go through or get accepted because i make a lot and i feel like the creditors will think im trying to do fraud in reality all I’ve used my credit was for groceries and little stuff for the house everything was fine till i got in a bit of trouble with gambling that screwed me over I completely stopped and now I just hope i qualify for a chapter 7 i barely have any disposable income for a chapter 13