In a free consultation with a bankruptcy expert, we can review your financial situation and bankruptcy options. If you decide to hire our firm, we can file bankruptcy in the same meeting. Harassing telephone calls and creditor harassment will stop, as will wage garnishment, repossession actions and the threat of foreclosure. We will only suggest bankruptcy filing if it is in your best interest.  You may only need debt negotiation.  Come in for a free consultation and financial check-up.