There are some reputable companies out there. I typically go over each person’s set of facts and apply it to the question. One size does not fit all. Two general rules of thumb I have experienced in practicing Bankruptcy Law for 21 years is this:

1.) Read the contract with a fine tooth comb and keep it handy.

2.) Generally, if a person has a lot of credit cards I do not recommend it.

Bankruptcy is acute, once it is done and it is over, you have a clean slate vs. a poor credit score, let payments, etc. that can linger for 20 years.