There are several different options in dealing with debt.
Often, we meet with clients and they think they want a particular option, and after doing some fact gathering, we get to a different place where another option is better.
So one of the important things we do in the consultation is sit down, figure out what's going on with that client.
Bankruptcy is not a one-size-fits-all solution. There are many issues to contemplate, including what type of solution you are dealing with, the timing of the solution, and how it's executed. And then tailor the solution to our clients' needs.