When you come in to my office, you may or may not file bankruptcy but you will understand bankruptcy. It is vital that you understand how bankruptcy works and how it can benefit your specific situation. It is also important to understand pros and cons of bankruptcy as well as alternatives to filing bankruptcy. As a former teacher, it is important to me that you receive thorough education and advice to better understand how to handle your debts. Knowing how to deal with debt and finances is not a trait you are either born with or not born with. Money management is a learned behavior. After consulting with thousands of people regarding their finances, you can trust that the experience I have gained can help and advise you. So come in and if nothing else feel empowered because you will know more than when you leave than you knew before you came into the office. Knowledge is power.