When a consumer sees an attorney about their debt problems, they want that attorney to determine the best ethical solution, involving them spending the least money and the least amount of time. For most people, that is going to mean either Chapter 7 or Chapter 13 bankruptcy.
They may also end up in an active bankruptcy case that takes ten times longer than necessary.
I just finished meeting with a charming, vibrant client. She lives alone, works at a hospital, and is several months behind in her mortgage payments. Unfortunately, she has no way to catch up on these payments. Despite this, the mortgage company has not yet begun foreclosure proceedings.