Are you drowning in a pool of consumer debt? Is it difficult for you to envision a scenario in which you can get current on your bills, wipe the slate clean, and get your family's financial affairs back in order? If this sounds familiar to you, you may benefit from scheduling a consultation with a consumer debt lawyer in your area. He or she will be able to explain the legal details of the situation you are currently facing and determine whether the basis for a legal claim exists. In addition, a skilled consumer debt lawyer can help you understand the advantages and disadvantages of different options, such as bankruptcy or debt consolidation. Contact the state bar referral service in your area to get the names of consumer debt lawyers who have established practices in your community.