To get proper bankruptcy advice you must seek out an attorney who (1) will genuinely look out for your best interests; (2) will enjoy talking with you and take the time to explain the process, analyze your situation, and answer all your questions; and (3) concentrates his practice in consumer bankruptcy law.
A professional bankruptcy consultation that complies with the highest attorney ethical standards will take more than 15 minutes (even more than 30 minutes). You should therefore prepare for a meeting that will last about an hour - even longer if your case will be a chapter 13.
After meeting with me you will (1) understand very important concepts of consumer bankruptcy law; (2) understand the bankruptcy process in Chicago's bankruptcy courts; (3) understand the effect of bankruptcy on your credit; and (4) have your questions answered.
You will leave with a better understanding of bankruptcy law and, usually, a breath of fresh air. You will be armed with current (the law changes frequently) bankruptcy developments that are applicable in Chicago's bankruptcy courts (bankruptcy law is interpreted differently by different jurisdictions).
This hour of time (or more) will also be a good opportunity for us to get to know each other to see if we want to work together.
The bottom line is that you shouldn't pay money to find out if bankruptcy is an option. And you definitely shouldn't have to pay money to meet with and evaluate the attorney that will represent your interests.