MasConcepts Incorporated

Hello, I’m in NC if that will help answer my questions. So I consulted with a lawyer at the beginning of the year. She told me not to file until I secure housing (I needed to move from my old apartment). It took a few months but in that time I kinda talked myself out of filing. A mix of shame and “maybe I can white knuckle through this debt.” She had also told me to stop paying on my credit cards but I didn’t. My moving expenses were far greater than I anticipated and I ended up using the cards again. I got a plan approved with Navy Fed a but it lowered the limit to the balance at the time so now I’m basically at 100% (18k). Then Apple randomly lowered my limit so now I’m at 100% there too (2k). I had a loan with about 20k due that I’ve just stopped paying entirely. I was literally draining myself trying to keep up with it. The cards I ended up using were smaller limit cards and are not maxed out but I’m wondering if they will be flagged as fraud. (I know NF and Apple probably won’t I just included those for the full picture). Should I try and pay off more of the smaller limit cards before proceeding with filing? The balances are different from when I first completed an intake with this lawyer. I also told her I wanted to keep my car because I need transportation. It’s so underwater it’d probably be totaled out if someone dented the door lol the payments are $465/mo and I owe about 5k on it. Sorry for the wall of text. I appreciate anyone that responds!