It depends on your circumstances. In the case of a foreclosure or repossession, you could try to negotiate directly with your creditors. If they agree to work with you and you can afford the terms they offer, then you may not need to file.If you have mainly unsecured debts (i.e. credit card bills, medical bills, etc.) then you could explore a debt management program as opposed to Chapter 7 “Fresh Start” or Chapter 13 “Reorganization.” The disadvantage of the debt management programs is they do not guarantee that your creditors will agree to accept proposed terms and/or stop collection efforts or creditor actions.We encourage all our clients to explore all their available options before determining the best course of action. We provide an honest assessment of your circumstances at the initial consultation and the attorney will advise you of all your available options and discuss what makes the best sense based on your personal circumstances. If bankruptcy is not right for you, we will tell you. The decision to file for bankruptcy is never a first choice, but sometimes it is the best choice.If you do need to file, we hope to earn your trust. Please call us for a free private, initial consultation.