We believe that the ideal course of action to manage your financial affairs is to spend less than your income and to honor your debts and obligations.  At the same time, there are instances when the financial pressures may become too great to bear, such as unexpected circumstances, aggressive creditors, or simply mismanagement.   In these instances, there is a legal and ethical way to obtain protection from your creditors and we stand ready to counsel, advise, and assist you in making the wisest decision to address your financial situation.