For people in Wisconsin and everywhere, debt is a scary, nerve-wrecking experience. You’re angry at the collectors who are bringing chaos into your world. Sleepless nights have made your irritable. Your imagination paints bleak pictures of a hopeless future. Worst of all, you’re down in the dumps because you believe your family and friends may see you as a failure.

It’s the worst time to be making life-altering decisions, yet that’s exactly what you’ve got to do. Here are some tips to help you make that difficult decision.

1. Avoid assembly-line, one-size-fits-all law firms. Find an attorney with the heart of a teacher, one who meets with clients and assesses their situations instead of just assigning a paralegal or assistant to get the Bankruptcy ball rolling.

2. Communicate with your lawyer on a regular basis, and keep your finger on the pulse of your case. Again, if he/she has the heart of a teacher, communication will be welcomed.

3. If you file a Chapter 13, cooperate with the Trustee assigned to your case. Meet your deadlines. Make your payments on time. Your bondage will last long enough at best; don’t drag it out unnecessarily, or even worse, end up having your case thrown out and see all of your time and effort go to waste.