I am in desperate need to take a 401k withdraw to avoid filing bankruptcy. I have about 20k in debt, I have met with 2 bankruptcy attorneys and both told me to ride it out for a year so alot of my debts fall off. My income is too large for Chapter 7 and i dont want to be locked into a Chapter 13 for years. So, bankruptcy is not an option for me. My employer requires a hardship withdraw letter from an attorney or credit counseling agency to take a withdraw to avoid bankruptcy but i do not want to pay a retainer fee just for a letter. How can i obtain a letter from an attorney without retaining one?