RE: Does anyone know a free bankruptcy lawyer?
Well, think about that for a moment. Everybody who files bankruptcy is broke. Otherwise they wouldn’t be filing bankruptcy. If bankruptcy attorneys didn’t charge their clients because the clients are all broke, then there wouldn’t be any bankruptcy attorneys because they would all have to go get other jobs because they would be making $0 from being bankruptcy attorneys.
That wouldn’t make any sense either.
If you really, truly have absolutely $0 income and $0 assets, then you probably don’t need to file bankruptcy. You are what is considered “judgment proof” (i.e., even if your creditors sue you, there is nothing they can get from you).
In general (and this is VERY generally speaking) you only need to file bankruptcy if you have something you need to protect, such as an income (that you need to use for necessities such as food, etc. rather than paying off unrepayable debts).
Most bankruptcy attorneys offer a free first appointment. Among other things, they can help you figure out whether you actually need to file bankruptcy or not (if not, save your money). If you do need to file bankruptcy, the attorney should be able to help you figure out how to pay for it — being broke when you need to file bankruptcy is a problem that bankruptcy attorneys are VERY familiar with (it is true of virtually all their clients).