When people consult an estate planning attorney, they are considered savvy. They are commended for thinking about their future. Society applauds them. Estate planning attorneys, tax attorneys, and accountants help people save money by deferring, avoiding, or reducing taxation. Why wouldn’t you use every tool at your disposal to protect your assets, save money, and avoid costly legal proceedings for your heirs?

When people consult an attorney regarding financial stress and bankruptcy, they are stigmatized. They are frowned-upon for being profligate. Society condemns them as failures. People filing for bankruptcy protection often view themselves in the same way; they are ashamed and blame themselves for their economic circumstances. While some people make bad financial decisions or spend beyond their means, in most cases their situation is caused by events outside their control –

• • Natural disasters (hurricanes, floods, tornadoes, earthquakes, wildfires, etc.)

  • Global pandemics

  • Accidents

  • Sickness

  • Being laid off

  • Medical bills

  • Caring for others (aging parents, sick relatives, children with special needs, etc.)

  • A family member or spouse’s death

  • A divorce

  • A failed business

Bankruptcy attorneys provide a legal and ethical solution to help people in financial difficulty; they help people gain control of their finances and the direction of their lives.