Timing is critical. The sooner you take action the sooner you'll feel the relief and sleep better. Contact us today before you make another financial decision. Nobody wants to file bankruptcy and most people who do wish they had done so sooner; before they cashed in their 401K, IRA and before they took out a consolidation loan, a second mortgage and before they spent months in credit counseling only to find out they still owed the same amount of their debt. Don't make this same mistake. The consultation and the information is free so you literally have nothing to lose!