u/Em18601

I recently went for a bankruptcy consultation. Based on income of 10-11k a month total debts including attorney fees is 102k (includes 2 cars at 50k combined) they offered a ch 13 with worse case scenario of 3050 a month for 5 years. They mentioned we would most likely be at the worst case scenario. I feel like something is not clicking though for that amount a month I can try to knock out most small credit cards and then move into the bigger ones. And not be stuck in it for 5 years! Eventually get rid of one of the cars that is 40k of the total. Should I get a second opinion or do I really not understand it.