If you are experiencing serious financial problems, it is likely that you are stressed out and confused as to your legal rights and remedies. You may be embarrassed, or you may even be experiencing the worst feeling of all - the feeling that there is no hope. You owe it to yourself and your family to obtain advice from an experienced professional, someone who is on your side. That is why I offer a free initial consultation to all my prospective clients which is strictly confidential and usually takes about an hour. The consultation involves a three step process. Step One - I will listen: Before giving any advice, it is important I listen to what you have to say. I will first go over a financial checklist so I can identify the financial issues that are unique to your situation. We will also discuss your goals and objectives. Step Two - I will discuss the alternatives: I will then discuss whether or not filing for relief under the bankruptcy code would be appropriate under your particular circumstances. If there are ways to deal with your problems other than bankruptcy, we will discuss those options as well. Step Three - I will explain the process: The fear of the unknown can be a major source of anxiety. This is why if you decide to file bankruptcy, I will explain the process, step by step, and clear up any misconceptions that you may have about bankruptcy.