Next, let me explain how I work. First I will examine your finances in whole. We will sit down and personally go over your finances and I will explain what you can expect and whether bankruptcy is an option. If bankruptcy is not an option I will use all my legal experience to obtain a settlement with the creditors. If you get sued I will appear and defend the lawsuit on your behalf. The out of state companies do not even offer this. Second, if you have some savings or can come up with some cash to pay the creditors I will negotiate the best possible lump sum payment. If you dont have the means to pay anything then you need to place a monthly amount into an attorney escrow accout as forced savings. At such time when you do have enough saved I can settle with one or more of the creditors.
This is just a brief explanation but the one important thing is to always use an attorney. These are legal matters. You should deal only with an attorney not a slick salesman that will promise whatever you want to hear.