A bankruptcy filing is only one of the services provided by this firm. We always recommend and do what we believe is best for the client. Debt negotiation is appropriate in certain circumstances and inappropriate in others, usually when the client has assets that would be seized in a bankruptcy or the client does not qualify for a certain Chapter. In those cases we negotiate with the creditors from a position of strenth, offering them more that what they would receive in a bankruptcy liquidation, which is usually nothing.