SMARTFINANCESOLUTIONS.NET - How do I declare bankruptcy?

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How do I declare bankruptcy? - Have many credit cards to pay off, some bills, and some rents unpaid. All total a bit more than 20000 i cannot afford to pay off all that and live well. My question is who do i declare bankruptcy, where i go and what i do? Do i need to hire a lawyer or there is way i can do it my self? I cannot afford a lawyer so i will be thankful if someone could give me an 1-800 number or something i could call to, or tell me what institution to turn to?
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