WOULDN'T IT BE CHEAPER TO WORK WITH A DEBT COUNSELOR, PARAPROFESSIONAL OR CONSOLIDATION SERVICE?

Probably, but what you save in money up front could end up costing you much much more later on. See above to read about why we think you should not work with a paraprofessional to file bankruptcy. If you choose to have your debts negotiated for you, keep in mind that a debt counselor or consolidation service is not required by law to act in your best interest, whereas an attorney must act in your best interests.

Many debt counselors and consolidation services have hidden fees and do not necessarily act in your best interests. Some of these companies are legitimate and do a good job, but be very careful and read the fine print before you hire them.