Picking up the phone to call a Bankruptcy Attorney is painstakingly difficult for most people. When People come to my office for a free consultation, they sit down and say, “I can’t believe I am sitting here!”

Typically the people that sit across from me in my office, fall into one of two camps: One camp tells me:  “I am up to date on everything right now, I just want to know my options, and I want to be Proactive.” The other camp tells me:  “I should have been sitting here 2…