Financial Woes

[cambraceres]

Hello Finance people, perhaps you all can assist me with a decision I must make. It has to do with bankruptcy law. now I know the best away to go with almost any question here is to simply ask a lawyer; old fashioned consultation, but I haven't the time for all that. A friend's mom told me to call her with any questions as she is a bankruptcy lawyer, just one that is too busy to handle my difficulties personally. Anyways, she is out of town and I must choose soon.
First, I will say that I have planned to file for bankruptcy. I plan to do so to get rid of debt from a car and the various things involved in open heart surgery. I have no assets to speak of so no worries there. I have a car I was able to purchase under bad conditions, mainly that it must be fully insured and the rate is bad. Well anyways, due to a drinkng charge I must have SR-22 insurance as well, but only for 6 months. The problem is, my wages are garnished still, and sr-22 insurance will be like 1100 dollars for 6 months, on top of the already high car payment itself. In the end, this insurance will cost about 1/3 of the total value of the car, which had to have 1500 in woek last year. I am thining of allowing the dealership to repossess it, and then riding the bus for a while to save up loot to buy a used car from a private citizen.

My question is, how does the law change with two repossessions instead of one, or does it?

I must choose before paying my net payment of Friday, oh yeah, and I live in Va.

Any help is appreciated, thanks all.

Cam