No one wants to file bankruptcy. It should be a last resort and yes, there are other options. Often by the time a person decides to contact an attorney, bankruptcy is the most practical and cost effective option, but not always. It is our job to analyze each client’s complete financial picture to determine the best course of action. Both consumers and small business owners can benefit from the fresh start offered by a bankruptcy or the workout and settlement of debts outside of bankruptcy. If you are having trouble paying your bills, are consistently being contacted by creditors or just want to educate yourself about protecting your assets from debt collection, bankruptcy can be a positive way to organize your life and start anew, with a clean slate for the future.