Bankruptcy- strapped for cash

First of all let me start off by expressing how sorry I am that this post is long. She has alot of medical debt between her and children, right now her wages are being garnished for a $3,500.00 medical bill and they are taking $205.00 out of her check every two weeks.

She wants to file bk and we spoke to an attorney on wednesday and she would charge her $1,200 for a chapter 7 and $350.00 for chapter 13. Well the way I look at is this: #1 She isn't planning on buying a house or a new car for awhile. #2 She doesn't need credit cards, she just needs all of her debts wiped out to get a clean start. There are somethings on her credit report that are going to be falling off this year, do these need to be listed on the creditors matrix?. I have told her that I would be willing to file the chapter 7 paperwork for her as I have been through that before and am quite familiar with it, however this was back in 2003 and I know the bk laws have changed and she has to take that pre and post counseling class before she files and it's discharged afterwards.

I have two questions:
1. Do we need fill out the paperwork "for cerfication by a debtor who resides as a tenant of residential property?" In other words do we need to notify her landlord that she is filing for bankruptcy? She pays her rent on time and will not be filing bankruptcy on him.

2. Another question since her wages are being garnished does that go under the "schedule of creditor's holding unsecured priority claim"? Also do we notify this attorney that is handling this garnishment for the hospital or just the bk court notify them? This female attorney told her to wait until they have garnished over $600.00 because then she get all of that back. Does that sound right to anyone?

Thanks for you help :lol: