If bankruptcy is all that is keeping you from getting the help, I say hang bankruptcy!
Luckily today bankruptcy does not equal destitution. Often it is the only way out. Sure, we are conditioned to see it as a moral negative, but hang that too!
Many people whom I've come to know over the years have had to resort to this, myself included, simply because as their lives unravelled around them due to circumstances beyond their control, it became impossible to keep up.
I am not advocating the one go out, and irresponsibly binge on a spending spree. I am just saying that if it becomes necessary to pursue this as a course of action, then do so without self recrimination. Bankruptcy as a solution is a perfectly legal course; just ask the insurance companies who are in business of making oodles of cash on the misfortunes and miseries of others. When you declare bankruptcy, you can rest assured that these companies have the losses covered. The cost of the insurance is built into everything that is consumable, and therefore it is already paid for; noone loses; it is a win-win situation.
Pardon me for going bonkers over the bankruptcy thing. To get back to the issue at hand, your sense of justice and well-being is extremely important. Isn't that part of the the constitution is all about?
Also, regarding you attorney, something smells fishy. Is s/he working for you or not? How can they "keep on" throwing the SOL in your face, as if were somehow up for discussion? Either there IS or there ISN'T a problem with this. Which is it? Maybe a new, HUNRGY attorney would be more than happy to push through the door that is apparently being shut in your face.
I am just ranting here; I don't know any of the details, but I guess that's all I'll rail bout for now.
I hope things start looking up for you Chey.
Ron Schulz, MSPC, NCC