A good bankruptcy lawyer should be able to file your case now and let you make payments on it later. Once you get rid of your debt, you should have money to make the payments. It is unreasonable to think that you have a bunch of money lying around but still want to file bankruptcy. Ask the attorney to file for zero dollars down. None of this paying the filing fee or paying the attorney’s fees up front. You should be able to file for a true $0 down.