We had been thinking about bankruptcy for a long time, as our credit card bills have gotten considerably out of hand. We found Affordable in the phone book and they turned out to be a good choice. They explained our options in words that we could understand and they walked us through the forms we needed to file. They even stopped a threatened wage garnishment and allowed us to keep our home and car. Their kindness helped us in our time of need and didn't cost us a lot of money.