People will call me and ask if I know a lawyer who can help them with negotiating a credit card or help them because they are 6 months behind on their mortgage payments, car payments, property taxes, 1040 taxes.  When I analyze an individuals debts and assets I present all their options.  Bankruptcy is the Caboose.  There are several options for many people and they may never have to file Bankruptcy.  There are folks who may need to file a Bankruptcy but it may not be for a few years.  It is important to consult with a professional and get pointed in the right direction before it is too late.