If you are using a bankruptcy preparation service be aware that these are typically not attorneys and they cannot represent you in a court or in a negotiation. They are there to help complete forms based on the information you provide, not to give legal advice or counsel.

In some occasions a debtor may be eligible for free legal assistance or consultation for bankruptcy through non-profit organizations or state supported programs. Check with your local Bar Association, Consumer Protection Group or Community Support Organization to see if you may qualify for free legal assistance.

Just because you're overburdened with debt and fear that you have no choice but to declare bankruptcy, that doesn't mean it will be easily possible. Bankruptcy law has changed a great deal in the last few years, and you probably won't be able to declare a personal bankruptcy until you're well behind on all of your bills.