Bankruptcy, DUI, and Immigration are the areas of Law I practice in. I have represented all walks of life in all cases. When it comes to bankruptcies most of my clients never thought they would be getting harassing phone calls or even be in a position where they had to even think of filing a bankruptcy. These people incurred debt appropriate with their incomes and ability to pay that debt back. It is typically an unforeseen life altering event such as a layoff from work, illness in the family or divorce, which renders them powerless to meet their financial obligations. It is at this point when the telephone starts to ring off the hook with creditors harassing, embarrassing and trying to extract more money from these people than could be expected given situation that they seek counseling from a professional.  I understand your needs and can help you. Bankruptcy is not an easy process especially when you have to face the problem head on.