Why spend money for a lawyer to file bankruptcy, and damage your credit? The money you pay out for lawyers can be used for debt consolidation,and you credit looks more favorable.In today’s society and with prices increasing daily, we find ourselves going deeper in debt with credit cards.loans,etc.Just to find out we are still in the same boat as we started,not being able to pay.Thus causing stress,not wanting to talk to creditors,and watching our credit go down the drain.Debt consolidation takes the worry away.