A recent online article on MSN.com provides some good information about consumers who are considering filing for bankruptcy.  You can read the full text of the article here: http://articles.moneycentral.msn.com/Banking/BankruptcyGuide/10-secrets-of-filing-for-bankruptcy.aspx.  We would echo many of the items in this article.  Most of our clients can keep their homes, if they want to, and even when they have equity up to $150,000.  A debt relief agency will often do more harm than good.  To learn more about bankruptcy and whether it fits your financial situation, sign up for one of our free bankruptcy seminars at www.freearizonabankruptcyseminar.com  or visit our website at www.bankruptcylawyeraz.com.