Not everyone I meet with needs to file bankruptcy; in fact, many of my consultations end with me recommending non-bankruptcy options. One of those recommendations is often to enter negotiations with the one or two creditors that are actually causing distress. For example: if someone is current on their mortgage and their car loan, has little credit card debt, and can maintain their monthly budget without much trouble BUT there's one collection account that just won't go away, it might make sense to try and settle that debt.
Depending on someone's overall debt situation, a successful debt negotiation on one or two debts may be more effective in the short term than filing bankruptcy. I start all consultations from an information gathering standpoint: what are your concerns and what are your assets? Then we move onto how might we be able to leverage those assets to resolve those concerns.
Reach out today so I can get a better understanding of your situation and how we can put you in the best position for success!