I have to appear before the Trustee and potential creditors with complaints. It’s sorta like a lamb appearing before a wolf committee.
But since the banks I owe probably won’t show up, I will probably just be talked mean to, and given a repayment plan. At least the interest charges will stop. Most of what I owe is accumulated interest.
Catch a Falling Star 
Sorry to hear this, I am close to this next step as well. the interest is what does it in the end.
I just finished mandatory debtor education class. I could say I learned that credit cards are evil. But that is being too generous.