Caution is advised when making big decisions, and while debt relief agencies may appear to have the “quicker and easier” options, these may cost you financially in the future. Financial problems often stem from long-term problems, and short-term solutions can be like putting a band-aid on a broken arm; it looks like you’re doing something, but it’s not actually helping you heal.

Lawyers and bankruptcy attorneys often offer free initial consultations (like us) where you can get a full perspective on your financial options, and what the long-term cost will be. Urgency shouldn’t cost you money, so make sure you weigh your options before making any big decisions.