Life happens. Having worked with thousands of consumers, I have seen so many hard-working people hit their own bump in the road - a layoff, reduced hours, family separation, a serious health issue. These challenges can be enough to create serious debt problems, and after you have "robbed Peter to pay Paul" one too many times, after the debt collector calls become too much, its time to put together a plan. My law firm focuses on finding a strategic legal path to debt problem solving. We are unique because we aren't 1-size-fits all. We look at bankruptcy, debt litigation, debt consolidation and negotiation, and even suing banks and collection companies to find the most effective solution.