Hello all. Due to a series of catastrophic events I find myself in a position where I am considering filing for bankruptcy. This is not a decision I have taken lightly but I am at my wits end and just can't see any other way out of my situation. I live in Texas and have limited assets - a small amount of savings, a little in a trading acount, 2 cars paid off. I am not a house owner and am currently not working (although I am actively seeking work). My wife is working but her income only covers the rent. We are currently drawing on our savings each month. My assets are minor in comparison to a large court judgement that has been awarded against me. I would like to hear from anyone who has any experience of the new bankruptcy laws in any way (even third hand). I moved to Texas 6 months ago and I'm unsure of the best way to find a competent local bankruptcy attorney (i.e. I don't want to just pick someone in the phonebook). I read that Texas will allow me to file as an individual without involving my wife. I'm not sure how this works in practice. Any help anyone can give me while I try and navigate through this minefield will be much appreciated. I'll happily provide updates of my progress if anyone is interested. Many thanks in advance.