Met a different lawyer today

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Today I met with another Attorney who seemed like he knew his stuff, the 1st guy I went to basically said you have too much debt and we can't help you. The lawyer today said he would suggest waiting at least 6 months since one of the credit lines I used in June about 50k. I can show I infused the funds into my business but he said just to be safe and wait it out, also he said to try and hold off the Judgments as long as possible also. He said if it gets to the point where I can't hold back a Judgment to come back in and they will get it rolling. I was advised if the account is older and I have been paying on it for some time and haven't used the credit line it quite awile to stop paying them but to keep paying the most recent lines I have used. Now here is where I was confused he said I would be a classic chp 7 and I would keep my real estate, but I wouldn't be re affirming the debt just sustaining it. I thought you had to reaffirm?? he said no you always only sustain the debt and make your payments on time otherwise it defeats the bk. Any thoughts?