I'm not a coat-and-tie lawyer, or a tall-office-building lawyer.  Instead, I'm relaxed, down-to-earth and good at explaining complex legal matters in ways that everyday people can understand.  

Here's why I don't wear the coat and tie:  Each time I've had an initial consultation with a client right after I get back from court and I still had on a tie, the client is more nervous and the "atmosphere" feels tense.  When I noticed that happening, I would get rid of the coat and tie, and then I noticed that the clients became more relaxed.

My general advice for people with legal problems, especially debt problems, is this: Look at all of your options, including options you don't think you'd like.  See where you're going to be with each option five years down the road, then pick the option that's best for you.  You want to "rise above the tree-line" to see where each road/option takes you, and if you can't go all the way down a certain road, then why take one step in that direction?  Taking a road that's just going to be a dead-end wastes your time and money.