While I participate in some personal injury cases, my main job is consulting with and helping people with consumer debt.

A big part of the job is counseling people who might otherwise panic and file Chapter 13 bankruptcy to stop a threatened foreclosure.  Very often that foreclosure does not happen, and the customer's decision not to file Chapter 13 bankruptcy turns out to be wise.

Totally different would be the situation where a worker has been garnished for several months and cannot find an attorney to file Chapter 7 without full advance payment of attorneys fees.  If I trust that worker and can look that worker in the eye, I will file that case and stop the garnishment and wait several months to be paid.

Sometimes we can sue the garnishing creditor and recover some garnished funds.

Guy Gupton