Once upon a time, there was a strong social and financial stigma attached to the  word "bankrupt" that left the debtor damaged by the process.  Times have changed and much of that negative aspect has disappeared.  However, one must carefully consider taking this step.  There are still merchants, landlords, and lenders who require extra precaution when dealing with those who have demonstrated poor financial skills.  Making the decision to pursue bankruptcy as an option is not a decision one should take without profession counseling.  There are other options for solving financial stress other than the banruptcy option.  The financial counseling option allows one to work with creditors to find solutions that are in both parties best interests.  Lenders often are willing to consider settling for less rather than nothing.  Having said this a competent attorney and certainly we want to explore these options.  It our belief we have the responsilbitly to help you find the Best solution even if it may require our services.  We hope our actions will help us earn a reputation that make us be both successful and able to serve our goal of being a resource to the community.