If you are a consumer who is trapped in a seemingly inescapable rut of financial hardship, it can be difficult to know where to turn. Although bankruptcy may be an option for consumers with severe financial problems, most experts suggest that it should only be regarded as a last resort because of the lasting negative impact it will have on your credit status. One option you may not have considered is seeking the services of a debt settlement attorney. Although the fees involved may seem expensive, they often pale in comparison to those charged by debt settlement firms that have no legal affiliation and cannot represent you if you are sued by one or more of your creditors. In addition, consumers who have worked with an attorney in the debt settlement process often report a much higher rate of customer satisfaction. Check with your state bar association for a list of debt settlement lawyers in your community.