Most of the time, the bankruptcy procedure is much more straightforward than people fear. You do have to be honest and take it seriously. And to avoid problems, you should have an attorney helping you. A competent and understanding attorney will determine where there might be complications in your case and help you make the best choices about them (See Question #2).
Maybe it does not seem right that you should need an attorney to file a bankruptcy, but there truly are many good reasons a person thinking about bankruptcy needs solid legal advice from an experienced bankruptcy attorney. Even a case that seems simple can have hidden complications, causing huge problems if you do not have an attorney to help you find them and to resolve them for you.