It is important to consult with a lawyer if you are considering bankruptcy as one of your options for finding relief from debt. Most people understand the basics of bankruptcy, but are fuzzy on the details. Many if not all people do not want to file for bankruptcy, they just think they may not have a choice. First of all, there are choices, and meeting with a lawyer can help you explore those. Second of all, while it is admirable to try to find solutions to your debt problems on your own, as we all know, sometimes the best laid plans do not work out. Worse yet is that sometimes failed attempts at getting yourself out of debt or seemingly innocent bankruptcy planning can result in negative consequences if you later decide to file for bankruptcy. That is why a free consultation with an attorney is so important, even if you are not yet sure that you want to consider bankruptcy as an option. He or she can give you an opinion not only on whether bankruptcy might be a solution for you, but also on whether some of the ideas you are considering on your own will truly help you solve your debt problems, or whether they may be just short-term solutions that could make filing bankruptcy later difficult. There is no obligation to file bankruptcy or even to choose that lawyer just because you have had a free consultation. It is 30 or 40 minutes of your time that could prevent issues later.