They sat down for about an hour Monday morning but disgraced Atlanta Falcons superstar Michael Vick and Natasha Wyckoff, a Kansas credit counselor, couldn't figure out a plan to repay his debts.

Considering that Vick and Wyckoff's face-to-face happened at the federal prison in Leavenworth, Kan., perhaps that's no surprise. Federal law requires people seeking bankruptcy to get a briefing from a credit counselor first.

The Chapter 11 bankruptcy papers Vick filed immediately after his session with Wyckoff suggest that he needed something different from the 60to 90-minute session that Wyckoff's nonprofit employer offers for its $50 fee.

After all, he's paying New York lawyer Peter Ginsberg $500 an hour -- knocked down from the usual $665 an hour -- for his advice in the bankruptcy proceeding. He's paying Ginsberg's firm $280,000 as a retainer, dipping into a retirement account to cover a major part of it.

Vick's filing discloses that he has more than $10 million in assets but less than $50 million -- not bad but not great for a man who signed a $130 million, 10-year contract in 2004.

It adds that he needs extra time to compile a detailed accounting, since he is in prison and "does not have the customary access and availability" to work with his financial adviser.

Details in his filing show that Vick's business affairs haven't been all they could have been.

A former agent, Andrew Joel of Richmond, has filed judgments against Vick in several counties where he owns property. Court records in a 2005 Richmond lawsuit show that Vick terminated Joel as his agent after an airport meeting with childhood friends, including Aaron Brooks, then quarterback of the New Orleans Saints, two weeks after signing with Joel. Joel alleges that he was the victim of a conspiracy, and Vick contends he was coerced into signing with Joel. A judge found for Joel.

Vick's bankruptcy filing also reveals that he owes $950,000 to Wachovia Bank because he guaranteed a loan for a failed restaurant in which he had an interest.

It shows that he managed to amass a $106,000 debt to a car-rental company.

And the bankruptcy filing also shows one other thing: Vick's plan is to come home to Virginia -- specifically Hampton, just a few miles east of where he grew up in the tough East End of Newport News -- to try to rebuild his life and career. But like most bankruptcy filings, it doesn't quite say how.

-- David Ress