If you are considering bankruptcy, make sure you consult with Diane Drain, and learn as much as you can from her website prior to your free consultation. Why? Diane will clearly and patiently explain to you the most critical information you need to be able to decide for yourself if filling bankruptcy is your best course of action to resolve your debts. I can attest from dealing with her that Diane (at a time when you are most vulnerable and fearful) will not lead you to a solution that absolutely is not to the best of your interest even if it means you are not hiring her as in my case. From the information you provide her prior to consultation, I believe she already know if bankruptcy is the right solution for you; accordingly, she already know if she is going get business from you or not. In my case, despite her knowing that bankruptcy for now is not the best solution for me (therefore no business for her) and without giving a hint prior to consultation, she still proceeded with my free consultation and spent way more than twice the 30 minutes allotted. That consultation was most critical because it cleared up my mind to pursue a specific course of action, and gives me all the energy I need to pursue it. Priceless.