Claimed Lawyer ProfileSocial Media
Derek K. Prosser
Dallas, TX Bankruptcy Attorney with 16 years of experience
Free ConsultationBankruptcy, Business and Estate Planning
University of Houston Law Center
I am an attorney who specializes primarily in the area of bankruptcy law.
I represent debtors in all aspects of chapter 7 and 13 bankruptcy, as well as debtors-in-possession in chapters 11 and 12. I have substantial experience representing Chapter 7 trustees in adversary proceedings as counsel for the bankruptcy estate, and have also represented creditors in non-dischargeability actions. In addition to my bankruptcy practice, I advise clients on matters related to civil litigation, debt negotiation, real estate and insolvency.
At Toronojo & Prosser Law we're a small first with just 2 attorneys. We have no staff/assistants/paralegals so you can...
Claimed Lawyer ProfileSocial Media
Brandy Austin
Arlington, TX Bankruptcy Lawyer with 15 years of experience
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Baylor Law School
Brandy Austin is a founding member of the firm. Her practice specializes in personal injury, family law, small business litigation, and wills and probate. Brandy attended East Carolina University in Greenville, N.C. for her undergraduate degree. She majored in both English and Political Science. She went on to attend Baylor Law School and successfully completed Baylor's prestigious Practice Court program. She was part of Baylor's National Client Counseling Team and participated in their Moot Court Competition. Brandy went on to defend clients sued for medical malpractice, products liability, and personal injury. She has represented numerous clients at depositions,...
Claimed Lawyer ProfileSocial Media
Lloyd A. Lim
The Woodlands, TX Bankruptcy Lawyer with 18 years of experience
(713) 844-3070
1400 Woodloch Forest Drive
Suite 400
The Woodlands, TX 77380
Bankruptcy and Business
SMU Dedman School of Law
Claimed Lawyer ProfileSocial Media
Doug Wright
Weatherford, TX Bankruptcy Lawyer with 45 years of experience
Free ConsultationBankruptcy, Criminal Defense, Divorce and Family
St. Mary's University School of Law
Doug Wright is a native of Fort Worth who graduated from Paschal High School in 1972 before earning a Bachelor’s of Business Administration at the University of Texas at Austin in 1976. He then attended St. Mary University School of Law. After graduating and getting licensed in 1979 he returned to Fort Worth where his father was a Family District Judge and began his legal career.After being in private practice for almost 30 years Mr. Wright joined the firm of Bailey & Galyen in 2009 as Managing Attorney of the Fort Worth Office. He has committed his practice to Family...
Claimed Lawyer ProfileSocial Media
Phillip Galyen
Weatherford, TX Bankruptcy Attorney with 42 years of experience
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
The law firm of Bailey & Galyen is one of the largest “consumer law firms” in the state of Texas with over 30 attorneys and 13 offices throughout Texas. The Firm was originally established in 1989 with the objective of providing high quality legal services to the public by acquiring the best attorneys, staff and utilizing the latest technology to maximize productivity. Bailey & Galyen has expanded its services to include most consumer areas of law. The Firm’s focus is to provide competent legal representation which centers on total client satisfaction. The pride of past accomplishments here at Bailey &...
Claimed Lawyer ProfileSocial Media
Sharon Malchar Easley
Plano, TX Bankruptcy Lawyer with 35 years of experience
Free ConsultationBankruptcy, Arbitration & Mediation, Criminal Defense and Divorce
University of Oklahoma College of Law and University of Washington
Sharon M. Easley is a skilled divorce mediator and family law attorney. Having more than 30 years of legal experience, Attorney Easley vigorously works to help her clients resolve their legal goals without suing each other, without fighting, and without expensive lawyers.
Located in Plano, Texas, Sharon offers free consultations to potential clients. For peaceful and affordable mediation services, call 469-406-4320.
Claimed Lawyer ProfileSocial Media
Brandon J. Tittle
Plano, TX Bankruptcy Attorney with 12 years of experience
Free ConsultationBankruptcy
St. John's University School of Law and University of Arkansas School of Law
Brandon leads the firm's bankruptcy practice at Tittle Law Group, PLLC ("TLG"), with a focus on corporate reorganization, restructuring, acquisitions and litigation. He has a wealth of experience representing entities in their Chapter 7 and 11 cases and out-of-court restructurings and creditors' committees. His practice also includes extensive general bankruptcy litigation.
He has extensive experience managing complex bankruptcy restructuring cases, both on a national and international scale. He provides seamless service to his restructuring clients facing complicated insolvency issues and has experience across multiple industries, including automotive, manufacturing, healthcare, energy, retail, and real estate.
As the...
Claimed Lawyer ProfileSocial Media
Sean Acker
Arlington, TX Bankruptcy Attorney with 14 years of experience
Free ConsultationBankruptcy, Collections and Foreclosure Defense
Texas Wesleyan University School of Law - Texas Wesleyan University
Moving Forward Together:
Sean Acker and Brandon Warren formed Acker Warren, P.C. to provide excellent legal service to the Dallas/Fort Worth community. It is Sean and Brandon’s firm belief that excellent legal service extends beyond the confines of the Courtroom. Building client relationships, delivering effective and prompt communication, and treating each client with respect is immensely important to provide the best legal service possible. Sean and Brandon’s goal is to make sure that you do not feel alone during your time of legal need; we move forward together.
From our office in Arlington, we serve clients throughout Tarrant...
Claimed Lawyer Profile
Joshua Ryan Hilbe
Houston, TX Bankruptcy Attorney with 9 years of experience
Free ConsultationBankruptcy, Nursing Home, Personal Injury and Workers' Comp
University of Houston Law Center
Personal injury lawyer in Houston, TX.
Claimed Lawyer ProfileSocial MediaResponsive Law
J. Kurt Bouillion
Houston, TX Bankruptcy Lawyer with 6 years of experience
Bankruptcy, Divorce, Family and Personal Injury
South Texas College of Law
Personal Injury, Divorce, Criminal Defense, Probate, Family Law
There is no second place in litigation.
I have one goal: to work tirelessly toward successful resolutions for you. My professional life has taught me that communication and caring is paramount to building trusting relationships with your customers. For many, litigation is an unfamiliar and scary process. My career as an insurance claims adjuster showed me that my clients, whether individuals or small businesses, most feared the unknown and needed communication for comfort during the process. I discovered that the more they were...
Claimed Lawyer ProfileBlawg SearchSocial Media
Christopher Lee
Fort Worth, TX Bankruptcy Attorney with 21 years of experience
Free ConsultationBankruptcy, Social Security Disability and Tax
Texas Wesleyan University School of Law - Texas Wesleyan University
I understand that financial hardships can affect honest, hard-working people. Growing up in a very blue collar family and rural area of Indiana , money didn't always come easy for my parents. The struggles my family faced in my childhood made a significant impression on my business philosophy today. I am licensed to practice law in the United States Supreme Court, the State of Texas, both the Northern and Eastern Districts of Texas Federal Courts. I have represented well over 10,000 bankruptcies since 2003. I have worked out over 5000 IRS tax problems since 2003. I have also represented...
Claimed Lawyer ProfileSocial Media
J. Raymond Karam
SAN ANTONIO, TX Bankruptcy Lawyer with 38 years of experience
Free ConsultationBankruptcy, Estate Planning, Probate and Tax
SMU Dedman School of Law, St. Mary's University School of Law and St. Mary's University School of Law
Tax Planning Tax Liens IRS Disputes IRS Collections Living Trusts Family Trusts Estate Planning Wills and Probate Asset Protection Planning Business Planning Entity Formation Partnerships Corporations Limited Liability Companies Bankruptcy Real Estate Contracts and more... Commited and dedicated to providing the finest legal services to the community Don't be caught unprepared of unnecessarily taken advantage of. We will protect your rights!
Claimed Lawyer ProfileSocial Media
Mark Barnett French
Bedford, TX Bankruptcy Attorney with 37 years of experience
Free ConsultationBankruptcy
Baylor Law School
Claimed Lawyer ProfileSocial Media
Gabe Perez
Galveston, TX Bankruptcy Attorney
Bankruptcy, Criminal Defense, Immigration and Personal Injury
Oklahoma City University School of Law and University of Oklahoma
Gabe Perez is an associate attorney at Zendeh Del & Associates, PLLC. Gabe holds a Bachelor’s Degree in Political Science from The University of Texas at El Paso (UTEP). Gabe earned his Juris Doctorate from Oklahoma City University’s College of Law and was a visiting student at the University of Oklahoma School of Law.
During his time at UTEP, Gabe was a Senator-at-Large for the Student Government Association, a member of the UTEP Men’s Division 1 Track & Field Team, and a member of the Student Athlete Advisory Committee. Gabe excelled in college track and field and was part of two...
Claimed Lawyer ProfileResponsive Law
Wai-Ping Cheung
Bellaire, TX Bankruptcy Lawyer with 22 years of experience
Free ConsultationBankruptcy
I am a Texas board certified consumer bankruptcy attorney. My staff and I have successfully filed more than 800 bankruptcy cases. We focus on chapter 7, chapter 13, and chapter 11 cases.
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Sean T. Flynn
Austin, TX Bankruptcy Lawyer with 13 years of experience
Free ConsultationBankruptcy
St. Mary's University School of Law
Attorney Sean Flynn has been practising law since 2010, focusing on consumer bankruptcy in Austin and San Antonio. Before practicing law in Austin, he earned a B.A. in History and Political Science from the University of North Texas and a J.D. from St. Mary’s University School of Law in San Antonio, where he served as an editor on The Scholar: St. Mary’s Law Journal on Minority Issues. His student comment regarding absentee voting was published in The Scholars’ 2009 edition. Sean is a member of the State Bar of Texas Bankruptcy Section’s Young Lawyers Committee and is an associate member...
Claimed Lawyer ProfileSocial Media
Guillermo Ochoa-Cronfel
Austin, TX Bankruptcy Attorney with 36 years of experience
Free ConsultationBankruptcy, Business, Collections and Construction
Licensed to Practice in: State of Texas, U.S. District Court for the Northern District of Texas, U.S. District Court for the Western District of Texas, U.S. District Court for the Southern District of Texas, U.S. District Court for the District of Arizona, U.S. Fifth Circuit Court of Appeals.
Areas of Practice (non-exhaustive): General civil litigation and business law, Texas turnover receivership, bankruptcy (representing debtors, creditors and trustees), debt collection (both debtor and creditor-side), insurance litigation, construction/real estate transactions and litigation, landlord/tenant litigation, and entity formation.
Texas Turnover Receiverships (Tex. Civ. Prac. & Rem. Code Ch. 31). Texasa Civ. Prac. &...
Claimed Lawyer ProfileSocial Media
John Michael Mcbride
Fort Worth, TX Bankruptcy Lawyer with 40 years of experience
Free ConsultationBankruptcy, Business, Collections and Consumer
Southern Methodist University
J. MICHAEL McBRIDE has helped businesses and individuals through bankruptcy for 34 years. His firm handles business reorganization, Chapter 11 and Chapter 7 bankruptcy and represents creditors in Chapter 13 bankruptcy, foreclosure defense, collections, arbitration and mediation, as well as related federal court litigation. After graduating from Emory University and SMU Law School, Michael clerked for a Federal District Court Judge before entering the private practice.
Michael has authored many articles, seminar papers and a book entitled Purchase and Sale of Assets in Bankruptcy, 2nd Ed., John Wiley & Sons, Inc., and authored the Advanced Chapter 11 Bankruptcy Practice,...
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Frank Harber
Southlake, TX Bankruptcy Lawyer with 10 years of experience
Free ConsultationBankruptcy
Texas A&M University - College Station
We have a special fee of $1000 for a simple Chapter 7, if you qualify for a Chapter 7.
I would like to share with you what sparked me into a law career and focus on bankruptcy law. During my childhood, our family home burned to the ground. We lost everything except the clothes on our backs. For a few weeks I did not even have an extra set of clothes. We were devastated financially. I felt so powerless and wondered how we would ever emerge from this disaster. It was only through the support of family and friends that...
Claimed Lawyer ProfileSocial Media
Michelle V. Friery
Houston, TX Bankruptcy Attorney with 20 years of experience
Bankruptcy, Business and Securities
University of Houston Law Center
Claimed Lawyer ProfileSocial Media
James Bartlett Jr
Houston, TX Bankruptcy Attorney with 28 years of experience
Bankruptcy, Business and Energy
South Texas College of Law
James “Jim” Bartlett, Jr. is an experienced trial lawyer who also offers deal negotiation services to his corporate clients, including all aspects of drafting and completion of the related contractual agreements. Jim has successfully represented numerous corporations and other business entities in complex litigation matters throughout and outside the United States for over 22 years, including nine years as a partner in a national Am Law 200 firm.
Jim received his law degree from South Texas College of Law, where he served on the Law Review. During his time in law school, he was also a member of numerous varsity...
Claimed Lawyer ProfileBlawg SearchSocial Media
Theda Page
Frisco, TX Bankruptcy Attorney with 37 years of experience
Bankruptcy, Divorce and Family
University of Pittsburgh School of Law
Théda Page's practice of law is motivated by the desire to help people through difficult circumstances. She spends time with her clients in order to understand their needs so that she can provide them with comprehensive and quality representation. Théda was a child of divorce, has gone through a divorce herself, and is a stepmother, giving her the unique, first-hand understanding of family dynamics and emotions that come up in difficult family situations.
After graduating from law school at the age of 24, Théda W. Page began her career in bankruptcy and family law. In 1986, she represented debtors for a...
Claimed Lawyer Profile
Rand Edmund Zumwalt
AUSTIN, TX Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Divorce, Estate Planning and Nursing Home
Rand recently joined The Butler Firm after heading up the bankruptcy department at Patricia Brown & Associates, P.C. He has extensive knowledge and experience handling bankruptcy cases and enjoys finding creative ways to obtain debt relief for consumers and businesses.
Born and raised in Houston, Texas, Rand moved to Austin in the late-nineties to attend the University of Texas at Austin. While in college, Rand met his wife and developed a love of Austin that would stay with him for the remainder of his life. After acquiring a bachelor's degree in Economics with a minor in Business Administration, Rand enrolled in...
Claimed Lawyer Profile
Raymond Hopson Jr.
Royse City, TX Bankruptcy Lawyer with 28 years of experience
Free ConsultationBankruptcy, Business, Criminal Defense and Juvenile
Texas A&M University - College Station
I still make house calls. I know your time is valuable and sometimes you just can't get away from the baby, work, school, etc. That's why I am willing to come to you. We can have an initial phone consult to discuss your needs then we will set up a time and I will drive to the appointment wherever you are, I will bring all necessary paperwork to get you started. As your case progresses, I will make appointments with you as it becomes necessary. I concentrate in bankruptcy law and criminal law however, my office is a full service...
Claimed Lawyer ProfileSocial Media
Eloise Guzman
Houston, TX Bankruptcy Lawyer with 39 years of experience
Free ConsultationBankruptcy and Foreclosure Defense
The University of Texas School of Law
Since 2000, the Guzman Law Firm has helped debtors throughout Texas obtain financial relief. We understand emotional exhaustion inherent in bankruptcy matters, and we want you to know that you are not alone. With our personalized, supportive assistance, we can start on on your journey towards financial freedom. You can reach out to us today for a free case evaluation.
Available on Saturdays by appointment only
Claimed Lawyer ProfileQ&ABlawg SearchSocial Media
Michael Glynn Busby Jr
Houston, TX Bankruptcy Attorney with 22 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
South Texas College Of Law
I have served 4 years as a field artillery cannoneer in the United States Marine Corps and another 4 years in the militias of Arkansas, Oklahoma, and North Carolina. I am a family law and bankruptcy attorney who practices family law in Harris and Fort Bend County, Texas. Bankruptcy cases (Chapter 13 and Chapter 7) are filed in the Houston or Galveston divisions of the Southern Division of Texas, for residents of the following counties, Austin, Brazos, Colorado, Fayette, Fort Bend, Grimes, Harris, Madison, Montgomery, San Jacinto, Walker, Waller, Wharton, Brazoria, Chambers, Galveston, and Matagorda....
Claimed Lawyer ProfileSocial Media
Robert "Chip" Lane
HOUSTON, TX Bankruptcy Attorney with 19 years of experience
Free ConsultationBankruptcy, Foreclosure Defense and Insurance Claims
University of Miami
The Lane Law Firm is dedicated to helping clients throughout Texas in three primary areas:
1. Those with mortgage issues and/or those who are facing foreclosure or have already been foreclosed on.
2. Property owners who have experienced a delayed, denied, or underpaid insurance claim.
3. Businesses struggling with debt, in particular from merchant cash advances, receivables loans, or factoring arrangements.
We're passionate about helping fellow Texans resolve their legal issues. How can we help you today?
To schedule a no cost, no obligation consultation to discuss your unique situation, give us a call at 877-408-3328.
Claimed Lawyer Profile
Elizabeth Huffman
Lubbock, TX Bankruptcy Lawyer with 30 years of experience
Free ConsultationBankruptcy
I have been practicing in the area of consumer bankruptcy law since 1993. My first job after graduating from the Texas Tech University School of Law was with the Standing Chapter 13 Bankruptcy Trustee's office. I then worked for a law office with a high volume practice in the area of bankruptcy before opening my solo practice in 1998.
In 2000, I became Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization. I am the only female attorney in Lubbock that is Board Certified in this area of practice. I believe that you...
Claimed Lawyer Profile
Randal G. Cashiola
Beaumont, TX Bankruptcy Attorney with 37 years of experience
Bankruptcy, Administrative, Construction and Consumer
South Texas College of Law
Randy has successfully represented clients in a variety of civil matters throughout Texas for over 30 years.
In 2006, Randy obtained a $98.8 million verdict for his client in a commercial lawsuit involving tortious interference with contracts and business disparagement.
More recently, he worked with a team of lawyers in Texas and Delaware to defeat a wrongful effort to recover over $200 million from his client.
Randy has represented hundreds of individuals and small businesses in construction defect cases and fighting insurance companies for wrongful coverage denials. He also helps clients who were the victims of fraud in real estate deals.
Randy has...
Claimed Lawyer ProfileSocial Media
Allen Stewart
Dallas, TX Bankruptcy Attorney with 34 years of experience
(866) 440-2460
325 North St. Paul Street
Suite #4000
Dallas, TX 75201-3113
Bankruptcy and Consumer
When my children ask me what I do, I tell them, "I help people." I love helping people. Our firm only represents real people and does not represent large corporations. My philosophy is that large corporations exist purely to make money and have no soul. When the core of one's existence is simply profit and there is no soul to engage one's conscience, wrongful conduct is probably close at hand.
My grandfather and father have been great influences in my life and practice. My grandfather, Curtis Stewart, was a coal miner who, at great personal risk, helped John L. Lewis organize...
Claimed Lawyer ProfileSocial Media
Shelly Terrill
Grapevine, TX Bankruptcy Lawyer with 28 years of experience
Free ConsultationBankruptcy, Divorce and Family
Oklahoma City University School of Law
Claimed Lawyer ProfileSocial Media
Max Murphy
Dallas, TX Bankruptcy Attorney with 8 years of experience
Free ConsultationBankruptcy, Business, Personal Injury and Real Estate
South Texas College of Law
Max Murphy graduated from the South Texas College of Law.
Claimed Lawyer ProfileSocial Media
Michael Wallace
Tyler, TX Bankruptcy Lawyer with 32 years of experience
Free ConsultationBankruptcy
I have spent my career helping people just like you who are worn out and tired of all the financial burdens debt can cause.
Whether you are in financial hot water because you lost your job, experienced a costly medical crisis, got a divorce, or you are just victim of circumstances beyond your control – I can get you back on your feet. I am not here to judge. What’s important isn’t how you got in the situation you are in, but getting you out and back to live the joyful life you are meant to live.
You can’t always control what...
Claimed Lawyer Profile
John Milton Groce Jr.
Fort Worth, TX Bankruptcy Lawyer with 28 years of experience
Free ConsultationBankruptcy and Consumer
Texas Tech University School of Law
John M. Groce, Jr. was born in Waco and raised in Colleyville before he started working as a young paralegal with his father and grandfather.
John graduated with a Bachelor of Arts degree in 1992 from Baylor University, with a major in English and a minor in Rhetoric & Argumentation before attending Texas Tech University School of Law, where he graduated in 1995 with a Juris Doctor degree.
John was later admitted to the State Bar of Texas in 1995. During his time as an attorney, he has had extensive trial experience in personal injury law.
Claimed Lawyer ProfileSocial Media
Evan Harlow
Cedar Park, TX Bankruptcy Lawyer with 8 years of experience
(512) 528-5355
1464 E. Whitestone Blvd.
Ste. 1701
Cedar Park, TX 78613
Free ConsultationBankruptcy, Arbitration & Mediation, Estate Planning and Probate
University of Houston Law Center
Evan S. Harlow grew up in the Austin area and graduated from Pflugerville High School. He kept his Texas roots as he studied higher learning. He earned his Bachelor of Public Administration at Texas State University-San Marcos, graduating Magna Cum Laude. He obtained his Master of Public Service and Administration at Texas A&M University, also graduating Magna Cum Laude. Finally, he received his law degree from the University of Houston Law Center.
Mr. Harlow's work in the law started prior to attending law school. He served for six and a half years as a paralegal in the United States Army. The...
Claimed Lawyer Profile
Gary Lyon
McKinney, TX Bankruptcy Attorney with 41 years of experience
Free ConsultationBankruptcy, Business and Consumer
University of Oklahoma College of Law
I focus my attention in the areas of Bankruptcy, Commercial and Business Law, Banking Law, Strategic Business and Asset Protection Planning. I have served as Creditor's Committee Counsel for several businesses, and as a workout specialist for several bankrupt oil and gas businesses. Today, I represent businesses and individuals with financial difficulties, including those seeking bankruptcy protection under the reorganization provisions of Chapters 11, 12 and 13 and in liquidation proceedings under Chapter 7 of the Bankruptcy Code. This also extends to handling Adversary Proceedings for my clients as well as clients for other attorneys. I also help...
Claimed Lawyer Profile
Jeffrey Scott Davis
Cleburne, TX Bankruptcy Attorney with 30 years of experience
Free ConsultationBankruptcy, Appeals, Business and Consumer
I was born and raised in Abilene, Texas, having attended, and graduationg from, Abilene Christian School all 12 grades. I went on to get a BBA in Accounting from ABilene Christian University before going to law school at Texas Tech University School of Law.
After graduating law school I started working for Isaac M. Castro in Hamlin, Texas. In 1999 I was made a partner in the new law firm Castrro & Davis, L.L.P. Subsequently, in August 2000, I moved to Cleburne, Texas, and went to work as in-house counsel for gimmeabid.com, then located in Dallas, Texas....
Claimed Lawyer ProfileSocial Media
Michael Wayne Weston
Austin, TX Bankruptcy Attorney with 18 years of experience
106 E. Sixth Street
Suite 900
Austin, TX 78701
Free ConsultationBankruptcy and Consumer
Mike has devoted his career to helping consumers deal with debt. He graduated from St. Mary’s University School of Law in the top five percent of his graduating class. Mike made the Dean’s List every year he was enrolled and graduated 10th overall out of over 200 graduating law students. He was an associate editor on the St. Mary’s Law Review and also clerked for a Federal Judge while in school. Upon graduation, Mike immediately teamed up with his attorney and father, Pete, to form Weston Legal, a full service debt relief law firm. Since Pete practices exclusively in...
Claimed Lawyer Profile
Cheryl S. Davis
Arlington, TX Bankruptcy Attorney with 26 years of experience
Free ConsultationBankruptcy
Texas Tech University School of Law
Cheryl received her undergraduate degree from the University of Texas at El Paso and her law degree from Texas Tech School of Law. Cheryl was rated as a Super Lawyer for 2019. Cheryl has been both a vice president and president of the Border Bankruptcy Bar. A member of the State Bar of Texas, she served in the prestigious position of Law Clerk to Justice Ann McClure of the Eighth Court of Appeals. She has been an officer and member of the El Paso Women's Bar Association and is a member of the College of the State Bar. Cheryl is...
Claimed Lawyer Profile
Alex Bouthilet
Lewisville, TX Bankruptcy Attorney with 14 years of experience
Free ConsultationBankruptcy
Marquette University Law School
I've practiced consumer bankruptcy since 2011 and have helped hundreds of good people find financial peace-of-mind. My clients find me honest and thorough. They know I care about them because I take the time and effort to make sure they understand how bankruptcy works and how it can work for them.