We can't find an attorney

[desertplains]

Um, sba-attorneys.com wants $250 for a 30 minute consultation. That is not affordable in rural Wyoming

[justbroke]

When seeking an OIC with the IRS, the SBA, or any part of the government, the specialist do charge what's likely the reasonable fee in that area. I was hoping you'd have a strong bankruptcy attorney that has a strategy for dealing with the SBA which may include filing bankruptcy. I cannot provide you with any advice here. I will say, though, that the bankruptcy attorney may be the best to handle both. Only because they are familiar with your bankruptcy case. But, at the same time, an SBA specialist knows more about the OIC process and what a reasonable offer would be to release the lien on the residence.

There's no away around this; you need to deal with both the personal bankruptcy and the SBA lien on your home. I would lean on my bankruptcy attorney and hopefully they can work something out with the SBA or you could seek an OIC post-discharge. So many factors to consider and is likely why the SBA OIC specialist wants you to pay for the consult (because it is likely worth the $$$).