If you are having severe debt problems, and want to discuss your financial situation and possible steps to alleviate them, such as bankruptcy and its alternatives, I charge $100 for an initial office conference. Bring a list of your debts, and if you still have assets which are secured by a debt — such as your house or car — know the amount of the debt versus the value of the asset. I also need information about your income. I can offer advice regarding dealing with creditors and inform you about which of your assets are exempt from seizure by creditors. When Congress made major revisions to the Bankruptcy Code in October, 2005, I discontinued handling bankruptcy cases, but I can refer you to a local attorney who routinely handles personal or business bankruptcy.